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

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the bankruptcy record. On XXXX at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Toyota Financial and asked why was my account reported late 30 days when they gave me an extension and they stated it was in error and for me to dispute it with the credit companies and it will be removed. I did just that and disputed it with XXXX, XXXX, XXXX several times and its still on there. I have proof they gave me an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus ( Experian, XXXX, and XXXX ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX  on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute Regarding Charged-Off Account and Missing XXXX Forms Dear CFPB, I am writing to file a formal dispute regarding a charged-off account that appears on my credit report. The creditor for this account did not provide me with a XXXX XXXX, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}. 
According to IRS guidelines, creditors must issue a XXXX form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. 
I kindly request the CFPB to investigate this matter and ensure that the creditor comply with federal regulations by providing the appropriate XXXX forms or rectifying the status of these accounts on my credit report. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/2024. This payment has paid my account off in full. XXXX XXXX is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, Transunion and XXXX. They are still reporting the incorrect balance information.
Product: Debt collection

Sometime in 2015 a company representing itself as Nationwide Debt Management Solutions began leaving messages on our home phone saying we needed to contact them about an unpaid debt. Suspecting it was a scam, we ignored it. Now they 're leaving messages on the cellphones of my XXXX sons, compounding the harassment. I have refused to call them to discuss anything because if my wife and I owed an unpaid debt, I 'm sure we would have heard about it from the creditor, which we have not. 
I would like to know if this operation is a legitimate debt collection agency, or if it 's a hustle preying on weak and uninformed citizens. 
The call-back number they leave is XXXX.
Product: Debt collection

I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.
Product: Mortgage

I have been trying to contact XXXX XXXX and XXXX for 1 month but neither one of them have returned mine or my fiancs, XXXX XXXX, phone calls. 
We have worked with XXXX XXXX since about XX/XX/XXXX with intentions to use your mortgage company. We met with XXXX once and he stated about this {$290.00} to help with XXXX credit. He never said it was non-refundable nor did it even help at all with his XXXX credit. XXXX then emailed us a contract for us to electronically sign. Like the gullible, nave people we are, we trusted XXXX and your company and signed it. Somewhere In that very tiny print it stated that this {$290.00} was non-refundable. We received this paperwork in the mail for us actually to sign, which we never did!!! Things went very quickly and we found a house, we gave XXXX the numbers for this house and like everyone else in this world we shopped with other mortgage companies. We went to 2 other companies and neither of them took any money from us! We found one that XXXX  credit was better and so were the numbers for everything else making our monthly mortgage payment cheaper so we went with that company. We then asked for our {$290.00} back. XXXX then informed us it was non-refundable. And then at that point did I look through the packet and find the actual paper that says it. But that paper did not have our signatures. 
XXXX then stated that he wanted another chance to match the numbers of this other mortgage company and if he couldnt match it he would return our {$290.00}. So, we gave XXXX the opportunity and sent him this other mortgage companies numbers but then XXXX did not fulfill his deal and never gave us UniFirsts Numbers. Therefore, another reason our {$290.00} should be returned to us. 
I come to you as a hardworking, honest, trustworthy person who works very hard for our money and values every XXXX. XXXX and I are getting married in 2 months and have XXXX children we are blending. {$290.00} is huge to us!!! If I was told from XXXX in our one and only meeting that this was non-refundable then I would have NEVER given it to him! I am asking you to please return our {$290.00}. 
We have been trying to reach this owners of this company for a while now and would like at least acknowledgement that you have received my phone messages as well as this email. If not, I will be contacting the better business bureau as well as the consumer financial protection bureau. I would also hate to let all of our family and friends as well as social media know the bad experience we have had with UniFirst Mortgage. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report
Product: Mortgage

XXXX Please process our following requests : 1 ) Specialized Loan Servicing to correct outstanding issues relating to misapplied monthly payments ( from XX/XX/XXXX to XX/XX/XXXX ) during loan transfer with past due balance of XXXX from XXXX XXXX XXXX 2 ) Correct misapplied payments of current payments after loan transfer 3 ) Remove all late fees relating to misapplied payments 4 ) Remove all late payments on our credit reports with all credit agencies from XXXX to XXXX 5 ) Stop excessive collection calls and mailing invalid delinquent notices 6 )  Correct Year to Date ( YTD ) XXXX and XXXX interest and principal paid for this account This is our 6th online complaint request to correct the misapplied payments relating to the above loan account transferred from XXXX XXXX XXXX, with an incorrect past due balance of XXXX. This debt is not valid. Monthly payments per loan were supposed to be applied as part principal and part interest. XXXX  XXXX XXXX made some corrections as per their response letter dated XXXX and stated a few outstanding corrections that Specialized Loan Servicing must do. No payments have been missed before or after loan transfer. Our credit reports with the credit agencies have been corrected by XXXX XXXX XXXX and showed that all payments were current and made on time from XX/XX/XXXX to XX/XX/XXXX. The following payments related to this misapplication were : XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$230.00} applied as principal only XX/XX/XXXX {$220.00} applied as part principal and part interest XX/XX/XXXX {$240.00} applied as interest only I have attached the following supporting documentation relating to this issue : XXXX  XXXX XXXX response letter dated XXXX showing corrections made to loan transcript and credit reporting agencies XXXX spreadsheet showing the XXXX XXXX XXXX corrections made and YTD interest and principal paid Bank statements payment activity showing all payments made from XXXX to XXXX. No payments were missed. 
XXXX report showing XXXX  XXXX XXXX and Specialized Loan Servicing showing payment history Sample of collection calls received from Specialized Loan Servicing Most recent delinquent notices received by mail dated XXXX List of previous online complaints filed to resolve this past due issue. 

Please make the necessary corrections to our account and process our list of requests mentioned above. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment with XXXX XXXX XXXX  for the month of XX/XX/XXXX and it was updated incorrectly. 
All payments since XX/XX/XXXX have been made on time in the amount of {$700.00}. Payments were processed in time yet account showing delinquent for 1 month which is impacting my credit
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open - XX/XX/XXXX Balance {$460.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I make several payments towards my credit card periodically throughout the month. I pay online through a linked account with my XXXX XXXX checking account.EVERY time I make a payment Barclays Bank, my credit card company, hold the money for 7 days AFTER the funds have cleared my bank, making it therefore unavailable for me to use.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX and Wakefield collections The balance amount Wakefield sent to XXXX and XXXX is incorrect XXXX Correct amount is XXXX See attached proof XXXX  snd XXXX refused to acknowledge my including my report from my insurance company XXXX XXXX attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Product: Mortgage

I received a notice of delinquency from the XXXX XXXX County Treasurer and Tax Collector because the mortgage company, Shellpoint Mortgage Servicing, did not pay the second installment of property taxes, which was due on XX/XX/2020. I went online to my mortgage company 's website and saw that I have an escrow balance of over {$4500.00}, which indicated to me that they did not pay the property taxes. I called them and was told they needed to research the issue and that I should call back in 7 days. I was assessed a late penalty of {$230.00} because of the mortgage company 's failure to make the tax payment. I need for them to make the payment and provide me with proof that the payment has been made.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  on XX/XX/XXXX under account number ( XXXX ). A personal loan opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). XXXX other collections starting with XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and charge-offs reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and charge-offs are the result of identity theft and fraud. Ive also attached my consumer report, as well as the screenshots with the highlighted inaccuracy on my consumer report that is effecting my life because of improper use of my credit report by the reporting agencies.
Product: Mortgage

I had a valid short sale offer in and Nationstar backed-doored my file and 'sold ' my home on XXXX, though I highly doubt that they fulfilled all of the XXXX County MLS requirements in order to do so ; the home went back to Nationstar . They stalled my short sale file out to 'sell ' the property on their own terms. 
The BPO came in at XXXX. My offer was for XXXX, with XXXX down. 
XXXX XXXX ( me, the owner ) has had several XXXX attributed to the entire foreclosure/short sale process. XXXX XXXX ( my wife and co-owner ) has XXXX. The entire process has been very traumatic to both of us and now I have been foreclosed on. 
I had a valid offer in the XXXX system and have been working on this file for close to a year with my agent, XXXX XXXX, who has been a God send to both of us throughout this very trying process. Nationstar initially tried to sell our home on their auction site ( XXXX ), but he was able to stop them once he listed all of the MLS requirements in order to do so ( see attached ). 

I am also attaching the following : Purchase contractListing agreementHardship letterAll correspondence in the XXXX system ( my agent salvaged what he could as the hard files were deleted today ) XXXX sale informationXXXX County MLS requirements to auction a homeHere is what we are ; we are talking about an older married couple in poor health that now has a foreclosure on their credit reports, and for what? The BPO ( appraisal Nationstar did ) came in at XXXX. Nationstar has the 'bid ' starting at over {$1000000.00}, though no bids were received and now it is a bank-owned REO. 

If the short sale is not put back into active review I will be suing Nationstar for the unlawful foreclosure, pain and suffering, and to release the home from REO to complete the short sale process, as well as contacting my Congressman and the media. 

My wife and I did everything asked of us and you gave us no notice of the foreclosure sale date, nor should you have foreclosed, as their was an active short sale file under review at Nationstar in the XXXX system. You stalled the file out over and over again so that you could own our home and sell it on your auction website. The home is worth far less than you think it is and your actions are nothing short of criminal. 

You should be ashamed of yourselves. 

XXXX XXXX & XXXX XXXX