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

TransUnion continues to report fraudulent accounts on my consumer XXXX XXXX a victim of identity theft, my information was exposed in XXXX XXXX XXXXXXXX a few years ago.. Ive make them aware of that, but they continue to ignore me.. 
This is a violation of Fair Credit Reporting Act Specifically, U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information to consumer reporting agencies. While XXXX has promptly removed accounts such as XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, TransUnion 's ongoing disregard accuracy and fairness of my consumer report.. 

This is Unfair!! TransUnion taking advantage of me and taking my rights to have a fair and accurate consumer report XXXX XXXX  XXXX, and XXXX XXXX were deleted from one credit bureau, but still reporting negative and falsely on TransUnion Which make them in Violation according to fcra 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

TransUnion 's failure to acknowledge the documents I've provided, and they neglect to verify the accuracy of my credit file, represents a clear breach of their responsibilities as a reporting agency. The FCRA mandates that consumer reporting agencies must meet the needs of commerce for consumer credit information in a fair and equitable manner, respecting consumer privacy and ensuring accuracy. 

In addition to their persistence in reporting fraudulent accounts, TransUnion has also disregarded multiple requests for the removal of XXXX XXXX and XXXX accounts from my credit report. Despite providing identification, police reports, and numerous dispute letters, TransUnion has consistently ignored my efforts to rectify these inaccuracies. This continued refusal to address legitimate concerns further compounds their violations of the Fair Credit Reporting Act and demonstrates a blatant disregard for consumer rights and fair reporting practices. 
Please do not send this complaint to TransUnion theyre not going to fix anything.. I have about XXXX complaints alone this year and dispute that were closed, they continue to ignore me.. I dont know what to do at this point.. I just want my identity back.. And get my life back, XXXX cant even get assistance, when I call TransUnion, they tell me to send in my police report then disregard it.. 
several inquiries that they refuse to remove as follows 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

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 : XXXXXX/XX/XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX # XXXX, Account name : XXXXXX/XX/XXXX# XXXX, Has violated my rights 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 then 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 am writing to address an issue regarding my home equity line of credit with XXXX XXXX This account has been fully paid off, and I have always maintained timely payments throughout the loan period. However, on my credit report ( Experian and XXXX ), this account is currently reflected with a negative remark indicating that the loan was settled for less than the full balance. This inaccurate remark has significantly impacted my credit score, which is concerning given my consistent payment history and the fact that the loan was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX  XXXX XXXX -- - # XXXX XXXX XXXX -- - # XXXX XXXX/XXXX XXXX -- - # XXXX
Product: Debt collection

I filed a complaint on XX/XX/2020 in which Rent Recovery Solutions response continues to be a stall static in order to try and collect a debt in which I do not owe. 

In my previous letters, I stated that all correspondence was being forwarded to my attorney. Only if I decide to file suit you will be contacted by my attorney. 

As I have tried to keep this matter out of court and save us both some time but your company is still trying to collect money in which I do not owe your company any money. 

Your company never investigated this matter which is very deceptive. Your company never told me who I supposedly owe this money to! 

I have never received any sum of money nor merchandise from Rent Recovery Solutions so please tell me what binds me to you? 

If XXXX XXXX  XXXX  and The XXXX XXXX is also stating that they can not verify this debt then again who do I supposedly owe this money to? 

This company continues to operate on deceptive practices to illegally collect money in which isn't owed. 

Please provide me with a legal contract that binds me to Rent Recovery Solutions and that shows I have received any sum of money or merchandise from your company in which I signed and promised to pay your company!
Product: Checking or savings account

On XXXX XXXX  I was double charged by a company for what shouldve been a single {$350.00} transaction. Despite both charges reflecting on my account, the company only had a single transaction on their end. They mentioned I should reach out to my bank. 

I then called Chase and filed a claim for the duplicate charge. They opened a claim and Id envisioned all was settled. On the sixth of XXXX, I returned the items to the company. Once the return was processed, Chase ended up denying my claim. This was an incorrect move because I filed the claim for the duplicate charge, not the original purchase. I called the Chase Claims department back and reopened the claim. They asked for the proof of purchase/return so I provided it to them as a PDF. This claim was then denied due to lack of sufficient evidence so I also requested a statement from the company explaining the situation from their perspective ; this was then included on a follow up claim. 

A week or XXXX later, after not hearing back about my claim, I call Chase Claims department back to find out more information about its status. I was informed that it was denied again for similar reasoning. I spoke with a supervisor who ended up just relaying the same information and suggesting I submit a print out of a physical receipt. On XX/XX/XXXX, I submitted an image of the physical receipts and called to reopen the claim. 

I called 5 days after submitting that document to check in. They said theyd pass it on and to call back at a later time. I called again about a week later and was told the claim was denied. Unfortunately I had to cut this call short as itd already been a XXXX minute phone call. 

Today, XX/XX/XXXX I tried to call again about my claim. I was told it was denied again for lack of sufficient evidence. When asking what sufficient evidence was required, they said they could give no recommendation on what else to give. How am I as the customer supposed to know what other evidence is required for their investigation? The person on the phone came off very rude and unhelpful, just reading from a script and running me in circles. 

To this day, nearly 100 days since the disputed charge, Chase has been unhelpful in resolving this situation and continues to provide no assistance.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX  Balance : {$4100.00} : XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00}
Product: Checking or savings account

I mobile deposited a check that was endorsed over to me on XX/XX/XXXX for XXXX XXXX It was put on a 10 day hold and at the end of those 10 days I was sent a secure message that said my account would be closed due to suspicious activity. I called customer service on XXXX, XXXX, XX/XX/XXXX and was only given the exact reason for the closure on the XXXX attempt. The representative told me I needed to go to a local branch with my grandfather and both of our identifications and they would release the balance of my account to me ( XXXX total ). The nearest branch was over an hour away and my grandfather would not agree to travel with me. He is XXXX XXXX XXXX and insisted that this is a common bank practice and that I needed to handle it. I called Chase again on XX/XX/XXXX and was told that I could give them my grandfathers phone number and they could call and verify that he had endorsed the check over to me. I gave them his number immediately and felt so relieved that the money in my account would be mine again. They came back on the line and said that the number I gave them couldn't be verified as his. I asked them to offer an explanation as to why it wouldn't show up as verified to him, seeing as how I've known him to have that same number for many years. They could give no explanation. I then contacted the entity that originally issued the check ( XXXX XXXX ) and they told me that the check was shown as having been issued but not yet deposited, where as a previous check had shown as being deposited. I told them the situation and they said, if I still had the check in my possession, I should be able to deposit it at another institution. So I opened up an account at XXXX XXXX which was the actual funding bank of the check. They accepted the check and it was made available in my account. Eight days later, the check was reversed, putting my account in the negative having 2 outstanding checks returned for insufficient funds. I called XXXX and they said that another bank was holding the funds for that check. I then called Chase and they told me that my best option would be to call the entity that issued the check, have them stop payment on it and reissue a new one. I immediately called the assistance agency that had issued the check and they told me they would reissue me the check. When I did not receive the check, I called them 3 more times over the course of a month and had my case escalated twice. They said their agency was experiencing high volume and staffing shortage. On XX/XX/XXXX my grandfather received notice from the agency that the check had been deposited and they would not be reissuing it. I called Chase on that same day and they told me that the entity had taken too long to stop payment on the check and that they were holding it indefinitely until I went to a bank with my grandfather. My grandfather is still adamant about not traveling for an issue he thinks is " ludicrous ''. I need to get my money back from Chase. It has affected my life in a very terrible way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C.1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX , XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept
Product: Credit card or prepaid card

Yesterday XX/XX/XXXX I went into purchase from Lowe 's and was told my line was decreased by {$5000.00} mind you, I have been with this company since 2000 and have paid in full many times never ever going 30 days past due, so i called as i was in the store and was told by a woman in another area of the world that i could request credit increase missing my point entirely. Then was transferred to a supervisor who had no clue really what my complaint was just to say it was my score that they determined and was made on XX/XX/XXXX after explaining my issue that I have been with them for over 18 years I was told there was nothing he could do ... and was he very basic, monatone not understanding SO i then asked for another supervisor and was told that he could not do anything except escalate what i just told the the last supervisor which makes no sense, do they even understand what i was asking for? I know for a fact that credit companies can make decisions to turn the line back on, extend and reinstate just like that. I do NOT believe that they can just pass the buck and act like I am nothing after paying over {$50000.00} + to them- I guess what I am saying is if goes by credit do they not look at the history with them on my credit? I will be taking my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had hard inquiries that were not made by me on my credit report. They were : XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX I had no knowledge of these inquiries. 

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

On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX 0f XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
Product: Debt collection

On XXXX at XXXX XXXX  I received a text from Stat Collection Service XXXX I was told to call XXXX about a alledge debt I called at XXXX XX/XX/XXXXput my phone number in so they could find my information once located then I was transferred to XXXX ( XXXX XXXX XXXX I asked who I owed the this alledge debt to XXXX XXXX states he didnt know who I supposedly owed the alledge debt to, if thats the case how can you say I owe alledge debt if you dont know the company name phone number or address, he changed his story to ( XXXX XXXX ) then stated he needs me give my personal info before he can proceed XXXX XXXX only stated that because I was asking him questions about Alledge Creditor info he state he doesnt have an idea who he trying to collect for he couldnt provided debt company information but at the beginning of the State Collection Service call stated they have XXXX account in my name so they had whatever information they may need XXXX XXXX was not being truthful about alledge debt I told him this is a scam what I dont know I wasnt given no info about this alleged debt nor did I receive anything in writing just a text from State Collection Service on XX/XX/XXXXso you can assist me Thanks in advance.
Product: Mortgage

Mr. Cooper failed to pay my insurance premium through escrow which caused my policy to be canceled in XX/XX/2022. This caused my insurance company to issue a new policy which is substantially higher than my previous policy. Mr. Cooper refuses to cover the difference although they admit to their mistake. Additionally, Mr. Cooper increased my mortgage payment nearly {$200.00}. I am also pursuing legal counsel with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX, # I Got my CLARITY Services Inc, Credit Report for Year Back # there was So much = fraud & Theft, breach Contracts, for a lot of Accounts, I have Loss Financialy at the bottom I will show Amounts and Send Bank Docs by Thursday # The Clarity Services Inc, have Not Done a Good Job, theres so many almost all of report is wrong, fake bank accounts and fake phone numbers, Fake Emails, etc Names Wrong my ID SSN Wrong, this costed me $ $ Financialy Ok $ , I will Send All Paper Docs to you By Email Ok # Plus Bank Statements ok By # TRACKING # will be on Top Right Corner By #
Product: Credit reporting

I have asked Experian to investigate and if not verifiable delete negative information on my report. I have explain and shown Experian the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Experian has responded twice that the information is accurate according to the furnishers of the information, also sending a final notice that unless I send additional relevant information that supports my claim they would not re-investigate the dispute accounts again.
Product: Debt collection

I contacted the company on XX/XX/19 to get more information on an account that I have being making payments on. I received a court order on my door and was a bit confused in reading it as I have never had this happened before, didnt understand some of the word usage and thought my payment plan would avoid situations like these. I called the company and spoke to a XXXX or XXXX. She was very abrasive and condescending. I voiced to her that I didnt understand and was confused and she kept repeating well if you read the paper .... For one I am very well educated and I did read the paper, I just did not understand it. This company should have someone who is empathetic and talk to people in a manner-able way as you never know what hardships people are experiencing or what they are going through. These bills are the result of me experiencing a XXXX XXXX XXXX which further resulted in me XXXX XXXX XXXX XXXX XXXX after she was XXXX. I try to do the right thing only to be talked in a way that makes me feel as if Im another number in the system. Please do better.
Product: Debt collection

Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything
Product: Mortgage

Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate if the CFPB do not closed this complaint until Equifax has resolved this problem. I have requested over 4 to 5 times Equifax explain the discrepancy in their Fico score and the other two credit reporting agencies. Here are the scores for XXXX XXXX XXXX, and XXXX XXXX, while Equifax have my score at XXXX with the same accounts. this is a large discrepancy the I wish be corrected immediately. This is causing issues for me to purchase and job opportunities. Equifax has all the information needed to resolve this problem.
Product: Credit card or prepaid card

Balance Transfer submitted back in XXXX and still not applied to account. Amount still showing on statement. Company wo n't produce proof that payment made to XXXX 's.
Product: Credit card

not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help