23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My existing home loan was transferred to Mr Cooper aka Nationstar Motgage LLC. Despite having both my home insurance and flood insurance policies paid for through my existing Mortgage escrow account. Mr Cooper has managed to lose all information on file from the original loan of who my insurance companies are and claim they have no information on file for either policy. They sent a threatening letter that there is nothing on file and that they would be obtaining an insurance policy for me despite having a fully paid policy in force for the property until XXXX/2021. I didn't ask to have my mortgage transferred so I certainly shouldn't have to waste all my time and effort into insuring they know what the XXXX they are doing. They should not be allowed to purchase new existing accounts if they are this bad at handling the transferring of all information that I didn't ask to initiate in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR XXXX XXXX XXXX XXXX XXXX CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXXXXXX
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. 

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, credit repair services, or other personal consumer reports

XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and transunion. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since XXXX and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing.

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within **30 days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

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

Dear Transunion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Product: Checking or savings account

1. I was charged a service fee of {$25.00} on a BBVA Compass ClearChoice Free Checking account on XX/XX/XXXX on an account ending in XXXX. The transaction was disputed by phone and secure XXXX messaging. It showed a posting date of XX/XX/XXXX which was a future date which I was able to dispute on XX/XX/XXXX because it had already posted to my checking account. BBVA called it a Bank Fee. 
2. I had a money market account with BBVA compass which I was charged a {$15.00} service fee for an account ending in XXXX, that did not charge fees on the balance I carried. It was disputed by phone and by secure BBVA Compass messaging. 
3. I disputed a charge to my credit card with is showing a charge in the amount of {$590.00} via secure messaging on the BBVA Compass website. It is from a company calling themselves XXXX XXXX XXXX  in XXXX, CA dated XX/XX/XXXX. I closed the credit card number and requested a new credit card account and have done that twice and the charge is still showing on my account. I blocked two credit card accounts with that charge and those accounts end in XXXX and XXXX. I have not done business with that account ever in my life. 

There are a lot of problems with this bank in particular and it did not start until around XX/XX/XXXX time frame. They have not honored any of the account benefits that came with these accounts and currently I pay them and continue to be cheated and have my funds stolen.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts be removed from my credit file immediately to prevent further damage to my credit standing. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5400.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$66000.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked and deleted : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by XXXX XXXX  that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to monitor my credit with Experian.com and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry.

XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX ( XXXX XXXX,2017 ) XXXX XXXX ( XXXX XXXX,2017 ) Experian XXXX XXXX XXXX ( XXXX XXXX,2017 ) I spoke to a customer service representative from Experian and XXXX so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
Product: Credit card or prepaid card

The credit card was sent to me with the wrong first name on the account. I attempted to rectify this with the company and actually have another complaint filed against them that I am waiting for them to respond to regarding the name issue. They told me to fix the name that I had to send them a copy of my social security card and ID, which I faxed it and they never responded or fixed it. So, I mailed it and asked for signature on delivery. The signature reads, XXXX XXXX- I highly doubt there is an employee named XXXX XXXX - this is concerning because it was sensitive information, anyone could easily steal my identity with this information that was in the package. I have attached a copy of the tracking so you can see the signature name. I am very concerned. I think considering that Citibank has possibly compromised my information multiple times that they should pay for identity theft monitoring for the next year. I also would like to be reimbursed for all of my postage costs due to their mistake and incompetence. I also attached a copy of my conversation with customer service in which they told me to send my sensitive information to this fax # and address.
Product: Debt collection

XX/XX/2019 XXXX to XXXX CST Called Midland Credit Management They had four accounts of mine in the amounts of : {$1500.00}? missed the change {$3600.00} {$880.00} {$1200.00} I called Midland Credit Management to try and work out a payment arrangement on four accounts that they had of mine in collections. I explained my loss of income and loss of current job position to company moving my product to another state. I told the representative I could only afford XXXX/month to pay towards all the accounts combined. I told if he couldnt do that I would pay {$100.00} today. He transferred me to a supervisor. I told her the same thing and then asked me to think outside of the box, i informed her that I dont have any other resources. I mentioned I havent gone to the doctor for my XXXX XXXX in many months since I couldnt afford it. She than preceded to tell me that XXXX XXXX was serious and asked if i had to go to the emergency room for it how would i come up with the {$400.00} needed to pay for it. I told her i couldnt. She continued to push. I informed her I would still be seen in ER and would fill out papers for XXXX XXXX I told her again I could only do XXXX/mo and if she could take that monthly that I would make a payment of XXXX today. She told me she couldnt do the arrangement, i told her i would just pay the XXXX today then and she refused to accept my payment and continued to talk over me. I asked what her name was she said it quickly, I asked her to repeat it, she didnt, she continued to talk over me. I asked her on this recorded line if she was refusing my payment? She continued to talk over me and refused to take payment. I informed her I was going to file a complaint and ended call. 

I called back and told the rep on the phone that I wanted to file a complaint. I filled this person in and let her know that the rep had talked over me, was very pushy and refused my payment. She said would have someone in management review the call. I informed her that I was going to also file a complaint with the CFPB. After explaining everything she set me up on a payment plan that i had asked for at the beginning of the call. The first supervisor was rude, seemed to treat me like i was lying to her, talked over me and refused my payment of {$100.00} that i offered for today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to first say this complaint is done by me and for me without the help of any additional party. I have been in contact with the credit reporting agencies XXXX, Transunion, and XXXX in regards to errors on my consumer report. I am requesting that they not only remove the listed accounts or inquiries but to permanently keep them removed. They have ignored my written instructions mailed to them on XXXX. Pursuant 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the following be removed and corrected... 
remove late payments from XXXXXXXX XXXX XXXX XXXXXXXX, remove invalid account XXXX XXXX and XXXX XXXX. Delete from my consumer report address listed as XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I checked my credit report and found an inquiry from SYNCBWALMART PLCC. ( XXXX, XXXX, FL XXXX, XXXX ) I have not applied for any credit cards. I tried to call the number listed on my credit report by XXXX, but it wants me to enter my SSN or account number ( which I do n't have because the application was fraudulent ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to talk to the TransUnion over and over again about the inquiry. 
And time and time again they have been Replying with I quote theirs nothing we can do for you. I just would very much like this situation too be handled by a higher up. 
Because obviously Im not get nowhere Near resolving the matter. So I do appreciate it If my all inquiries will be removed do to non Authorized and security breach. There are 19 inquiries that needs to be removed. 
Like yesterday. I really do appreciate all Your help and looking forward on hearing back from you thank you and have a blessed day!!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my TransUnion credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my TransUnion credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my TransUnion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately.

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes.

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

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

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!
Product: Credit card

The transactions in question took place at XXXX XXXXXXXX XXXX XXXX, a merchant overseas that I visited in person. Upon attempting to pay with my capital one Venture card ending, I encountered a discrepancy. Although the transaction received approval on my cell phone, the merchant 's machine declined it. Despite informing the merchant and Capital One about the issue, the situation remains unresolved. 

I have attached evidence of my conversation with the merchant via XXXX, confirming that I resorted to paying in US dollars cash due to the card transaction issues. Subsequently, the merchant requested my passport for verification. However, it has now been a month, and I find myself charged three times for the same transaction, despite settling the payment in cash. 

I have diligently communicated with Capital One, but the problem persists. I understand the importance of timely bill payments, and I assure you that I am not seeking a free meal. This matter, however, is not a legitimate outstanding bill but rather an erroneous charge that needs immediate resolution. 

Having three transactions of the same amount from the same merchant on the same day should raise concerns and prompt a resolution. I kindly request your urgent attention to this matter and a prompt resolution to rectify the unjust charges. 

Thank you for your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is practicing unfair bias to deter my fico score and been lately I denied goods services due to invalid negative accounts on my credit disclosure and it's has affected my livelihood. There are several invalid reporting adverse aged accounts that are seven years old but it's still visible on my credit disclosure. XXXX XXXX  XXXX acct # XXXX and high balance ( {$15000.00} ) reported is inaccurate. XXXX XXXX acct # XXXX and high balance ( {$20000.00} ) reported are inaccurate on my credit disclosure.
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.

XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both XXXX and Transunion showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, XXXX- XXXX and Transunion- XXXX