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

Transunion, You have been telling lies for the past year. You all never conducted real investigations as required by Federal Consumer Protection Law. You all willfully chose to not comply with the laws and will be held accountable. This is your final warning and last opportunity to comply before you are forced to do so by the courts. 

I have copy of XXXX doing a proper investigation, disclosing that they used XXXX and confirming that XXXX XXXX reports that there is NO bankruptcy. They deleted it as you should do! 

I have attached the response from XXXX XXXX also where they clearly state that there is no Bankruptcy! Stop lying saying that you can not verifiy with XXXX XXXX or that this record is verified. Its clear to everyone that you all are choosing to ignore laws and keep this on my credit file to further abuse and harm me. Its wrong and will not go on any further. 

Notice There are no accounts on my credit file that say included in bankruptcy nor is the address listed on the false bankruptcy record listed on my credit files nor is it in XXXX XXXX! 

Lastly, I have attached a record from the supposed Law Firm on the record and they confirm that I am NOT their client after verifying my photo, and speaking with me live. 

All of this proves that There is no valid bankruptcy for me and that you all are deliberately being unfair and unreasonable to me. You have no legitimate reason to keep this on my credit file. You all usually follow, so I expect you to follow their right example now and delete this file forever. 

If this is not deleted in a timely manner expect legal issues. 
I will seek damages of loss of wages, unrealized gains, emotional anguish, damage to my health, and defamation of character.
Product: Mortgage

My mortgage company, XXXX XXXX, won my home at auction with XXXX on XXXX XXXX, 2017 that XXXX XXXX XXXX listed on behalf of XXXX XXXX XXXX XXXX XXXX. All Documentation was completed and returned to XXXX XXXX XXXX XXXX as requested completed and signed on XXXX XXXX, 2017 at XXXX XXXX PDT. The Affiliated Business Arrangement Disclosure Statement was signed by the listing broker, XXXX XXXX XXXX XXXX signed on XXXX XXXX, 2017 at XXXX XXXX PDT and the seller XXXX XXXX XXXX, XXXX Regional Sales Manager signed it on XXXX XXXX, 2017 at XXXX XXXX PDT. I believed everything was completed in accordance to the law, how ever I was notified on XXXX XXXX, 2017 that listing broker, XXXX XXXX XXXX XXXX agent for my mortgage companys other transactions wanted to interpret the contractual law herself and is now hindering my lawful access to my residence while the keys were already given to me. I feel that I am being discriminated against because my ethnicity and is and will try anything to hinder my lawful dwelling in my new residence. They are violating florida statute XXXX and all applicable florida real estate laws that are part of title 33 chapter 494 of the florida statutes. You can feel free to contact XXXX XXXX He was the person managing the purchase. They are also committing securities fraud seeing how they are hindering funds that have been assigned to a fund that is part of a mutual fund. Please help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an approved disaster mortgage forbearance with SLS ( Specialized Loan Servicing ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/2018, which was incorrect as I have never been late at all. Since then, I have called and emailed SLS numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX  XXXX, and now you all. The past several SLS supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Product: Mortgage

We had a home equity loan that was made into a mortgage account without getting permission from us to change it into a mortgage. How can you make an equity loan into a mortgage? The home equity loan has been paid in full ; however, that have left a XXXX ( XXXX ) on the account and we can not close the account, even after paying the amount plus the XXXX they will not remove it. They did pay some taxes that is in question and after speaking with several persons for Well Fargo, we can not come to a decision. This has affected my credit score because it states that it's late and it is not.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX and CREDENCE RESOURCE MANAGE, XXXXXXXX XXXX  for reporting unauthorized collection accounts on my credit report. I have never done business with these companies and do not owe these debts. Despite disputing these accounts, they remain on my report in violation of federal law. 

Unauthorized Collection Accounts Reported Illegally Account name CREDENCE RESOURCE MANAGE Account number XXXX {$160.00} XXXXXXXX XXXX Account number XXXX {$300.00} Legal Violations by XXXX & CREDENCE RESOURCE MANAGE, and XXXX XXXX Fair Credit Reporting Act ( FCRA

) 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy in consumer reports. Reporting debts that I never authorized is false and illegal. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) When an account is inaccurate, unverifiable, or fraudulent, the credit bureau must
delete it. Since I have never done business with these companies, the accounts must be removed immediately.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Debt collectors can not report false or misleading information to credit bureaus. If [ Collection Agency Name ] has placed these accounts on my report improperly, they are violating federal law. 
FCRA Liability 15 U.S.C. 1681n & 1681o If the credit bureau and collection agency fail to remove these fraudulent accounts, they may be liable for actual damages, statutory damages, attorney fees, and punitive damages for willful or negligent noncompliance.
Product: Credit reporting or other personal consumer reports

This is my 19th 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 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: Checking or savings account

I had an account with Chime bank ( checking account and credit builder account ). They closed both accounts with my knowledge for unclear reason on XX/XX/2023. I have around XXXX XXXX on checking account and around XXXX XXXX on credit builder. I have called chime customer service regarding my closure check, they stated they dont have any info when it will be sent and I have to wait 10 days its been already 13 days. I have called number of time as well as sending emails where is only get automated response from them. I asked to talk to supervisors on the phone and I have been promised to receive my check expedited but no luck at all. To seems chime took my money and ignoring my request to get my money back, I hope you solve this issue as I got late fees on my car payment, car insurance and phone bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, STAPLES/CBNA add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I have an account on my credit file that doesn't belong to me. I asked TransUnion to investigate and remove the account. I filled out an Identity Theft Affidavit they said they couldn't accept that and I needed to do an FTC report. I have filed an FTC report and have attached a copy below. This incident has caused my family many issues, credit scores dropped, credit limit decreases, and it was brought up at my job.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I had {$520.00} sent to my cash app account I went to go remove the money and it was declined. And since this date I have been contacting cash app support at least 3 times a week to get help and NO ONE will help me. I have been hung up on agent and Supervisors. I have been promised call backs about this issue and promised emails back. BUT NOTHING IS BEING DONE. I received an email back on XX/XX/21 saying that this was for my protection and that it was resolved and to continue to use my card, BUT IT WAS NOT! My money is still sitting in this cash app account and no one at cash app will tell me what is going on or why this happened or anything they just pretty much took my money and will not help AT ALL!! I understand this was done for my protection but now I have verified everything and now I havent done ANYTHING WRONG EXCEPT FOR TRUSTING IN A COMPANY LIKE CASH APP NOT TO STEAL MY MONEY!! I keep getting emails saying rate your experience which I do reply to saying what experience I was told I would get a call back or email back but never did.
Product: Credit reporting or other personal consumer reports

I request from Experian to update my name to only one name on my credit report. I have 4 different names under different id # numbers, I also have address that belongs to family members on my credit report that I have never stayed with that I have asked them to delete and the company keep telling that the addresses were verified the addresses are 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
Product: Debt collection

Jefferson capital system {$1900.00} Date XXXXXXXX XXXX XXXX I don't have communication with this company I never give to them my information.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off FORTIVA XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities.

I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.

Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with XXXX and XXXX on debt that is currently included in my Chapter XXXX XXXX case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 3 I AM DISPUTING ACCOUNT # XXXX, FROM XXXX XXXX XXXX {$0.00}. ACOUNT # XXXXXXXX XXXX XXXX {$0.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$0.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX XXXX {$630.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$480.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX {$6300.00}. ACOUNT # XXXX FROM XXXX XXXX XXXX XXXX {$740.00}. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Product: Credit reporting or other personal consumer reports

Experian Has Failed To fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation on disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a law suit against Experian, alleging systematic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected or removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, As Experian 's inaction violates federal law and my rights as A consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX  XXXX XXXX - said account has been paid IN FULL every month.
Product: Mortgage

We were current prior to covid, We were affected by covid. 
XXXX XXXX were reviewing us for streamline mod, flex modification. It was in review for 30 days and said they would have a final decision prior to transfer because it would be within 30 days. They transfer the file to Fay servicing And they asked for a full modification package. 
I asked why they said it was bought by another investor. 
We submitted everything and then they said were not eligible for modification just foreclosure. 
I reviewed several complaints on this company. 
We make enough to make payments and need our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report, specifically the account XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I recently made a payment on time before the XX/XX/XXXX to XXXX  from commercebank, all online and from the phone app. 

I logged in today on the XX/XX/XXXX, after checking my accounts yesterday and the day prior with no errors, and on the XX/XX/XXXX noticed that I had not only been charged a returned check fee on XXXX  but also had an overdraft fee on commercebank. 

I had already moved enough funds over from my other accounts to bring all accounts positive from -XXXX by moving {$2.00} over to the account to cover the balance. 


According to statements on the XX/XX/XXXX, it shows that I made this cover after the returned item occurred, but that would show at least three days after the initial payment was made and an additional time from when these additional charges took place on the XX/XX/XXXX. I believe with what was occurring with XXXX XXXX, this may have had something to do with this transaction error, but usually XXXX  takes about $ 2 days to pull from my account after I establish it prior to the payment due date. 

I've not had any issues up to this point and it can be noted on the XXXX ledgers and even the commercebank ledgers since the credit card was opened with XXXX. 

I've requested that the error be corrected by the bank because I'm losing out of {$60.00} and this would damage not only credit score, but disqualify me from this homeownership program I'm working through that requires us to maintain sound accounting with finances ( to which I definitely have a record of doing ).
Product: Credit reporting

It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and is not mine.
Product: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : 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 XX/XX/year>.