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

In XX/XX/XXXX, I filed a dispute with XXXX regarding my account with my mortgage company, Nationstar/Mr. Cooper, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my XXXX  credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my XXXX  file. When I reached out to XXXX  to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called Nationstar/Mr. Cooper to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact XXXX to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with XXXX, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to live in XXXX I leased XXXX car my payments used to {XXXX}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX dollars more a month. XXXX continue to make payments for XXXX} via automatic debit, XXXX continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, XXXX stated that I had to pay {XXXX} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {XXXX} i could have easy been able to pay the who {XXXX} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( XXXX ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact XXXX XXXX they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was, in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This Account has not been late on payments and is only being reported as late, by Equifax. My XXXX and XXXX XXXX both indicate payments made on time. Ive attached a copy of my report to this complaint of the following dates : XX/XX/year> and XX/XX/year>. Im now requesting you to investigate and provide verifiable proof, with records, showing that I had late payments. If this information can not be verified, I demand these payments to be updated to paid on time, immediately. Thank you for your understanding and prompt action
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX  on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( Complaint # XXXX ), I disputed several fraudulent accounts and provided Transunion with XXXX necessary documents, including a valid identity theft affidavit ( Report # XXXX ), proof of address, and Social and government-issued ID. However, Transunion failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's 2012 bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.
Product: Credit card or prepaid card

My credit has been frozen at the 3 Cr Bureaus for 5+ yrs. Scammer unfroze my XXXX acc and applied ( XXXX ) & obtained a Capital One/Walmart XXXX ( XXXX ). I got the card in mail at my home address ( XXXX ). So did he/she. I called and reported the Fraud to Cap One and stopped any use of said cards. 
He/she also tried to open a XXXX XXXX c/c, which was denied for lack of supporting docs ( XXXX ). I've spoken to XXXX as well. 
He/she also got onto XXXX and used my acc there to order ~ {$1000.00} worth of restaurant gift cards & merch to his/her address ( XXXX ). I've reported that as fraud also. I've returned the one item that was fradulently ordered & sent to my home to get refund. I've gotten new cards and mbr # from XXXX ( XXXX ). 
He/she also hacked into my XXXX XXXX XXXX XXXX ) and tried to access a XXXX service XXXX XXXX to XXXX money to others. XXXX was advised of fraud ( XXXX ). I have since shut down those acc. too ( XXXX )
Product: Checking or savings account

We got fuel at an ingles gas station on XXXX XXXX in XXXX. Within XXXX minutes XXXX unauthorized transactions were made on our debit card. XX/XX/year> to a XXXX XXXX charges of {$32.00}, {$16.00}, {$9.00}, {$43.00}. we immediately called Regions Bank and filed a fraud claim, cancelled the debit card, and got a new one. The charges were pending, but they said they had to post instead of stop them, before they could do anything. Once posted, Regions provided credit for these transactions while they pended review. on XX/XX/year> regions sent a letter stating the charges appear to be authorized. And took the money back out of our account XX/XX/year>. We asked the bank to provide all evidence of the investigation they did that proved these charges authorized. They told us that the letter was proof and sent us on our way. The letter is simply a typed document stating the dates and amounts of the charges & says our review found that the transaction appears to have been authorized. Yet they refuse to give us any of their evidence found in said review to come to this conclusion. They told US to do the leg work and contact XXXX! While I have a XXXX account, with my debit card, my husband does not. And the charges were made from HIS debit card number ( linked to our joint account ) and an account in HIS NAME that he never created. XXXX told us to contact the bank, their was nothing they could do about the fraudulent account. Per federal law we are entitled to see the reviews evidence that XXXX this conclusion, & regions just keeps telling us the letter they sent us is enough. When nothing is attached to it at all and it is just a XXXX page document stating the dates and amounts and that theyre taking the money back out of our account. XXXX refuses to send an email stating when this account was created, etc. for us to give to the bank. And weve had money stolen that no one seems to care about and we are scared about banking anywhere now. Please help.
Product: Credit reporting

I had all my inquires that were removed with the TranUnion Data glitch a few weeks ago. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec XXXX which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. 

XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX CARD XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX SAVINGS BANK XXXX/XXXX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under thes following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on XXXX, XXXX and EXPERIAN. ON XX/XX/year> I called XXXX and spoke to XXXX in the fraud department she said XXXX did not recieve the FTC report and it would take 7-14 days to remove after receiving the documents. Atttached is original letters sent to XXXX, XXXX and EXPERIAN.
Product: Mortgage

This is in continuation of complaints XXXX and XXXX. 
I have asked a simple question that what was the breakdown of {$6800.00} which they showed as adjustments and credits in the estimate ( attached ). There has to be some math behind it but they never explained it. 
They did brainstorming for almost 2 months and explained the tax credit of ~ XXXX and that was the actual amount when I applied for the loan but they never gave the explanation of the remaining ~ XXXX. 
I have been asking the same question from past 45-50 days and they never gave me the answer. Everytime they come up with that I signed the documents, well that's because you gave me no option. You disclosed the final numbers 3 days prior to the close and then no one from your company talked to me to explain anything and I didn't want to loose the property and that's why I signed. 
And don't take credit of the additional {$3000.00} which was not there in the final closing as that was because I didn't opt for some of the title services so you guys have nothing to do with it. 
All I want is the breakdown of that adjustment and credits amount which you gave me in the initial estimate, that's it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX  XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX  
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, XXXX  and Transunion have it marked as late, charged off with a blance. 

I disputed the account XXXX  with XXXX, XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, XXXX and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Product: Debt collection

I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement
Product: Debt collection

After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XXXX XXXX XXXX I received a Correspondence from XXXX stating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity to Cure was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging Barratry. 

Notice Am alleging XXXX  is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX  is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors. 
Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by TransUnion XXXX XXXX, and XXXX Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : TRANSUNION  Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Inquiry XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

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

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

fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to transfer money to myself for {$2500.00} via XXXX. Transaction was blocked due to same information on both sides. Upon calling back Td, agent advised to cancel transaction and then redo the transfer through account transfers. As per their advise, I cancelled the transaction with XXXX and went through account verification for account to account transfer. Once completed, when I tried to do the transfer, it was blocking the transaction. Upon calling Td, they said my transfers are blocked and I need to go to a Td branch to verify myself. I am in XXXX, Texas and there is no Td branch around me. I have called TD several times and spoke to their IT team and also managers. No one is willing to help. Please advise how I can resolve the issue.