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

I contacted TransUnion to put a security freeze on my credit report. I attempted to check the status of the freeze using the TransUnion website. I was unable to confirm the status of the freeze using the website, which consistently malfunctions. The malfunction occurs on any web browser I use. I telephoned TransUnion Support. They accepted my verbal/oral ( telephone ) request to freeze my report. I later attempted to verify on the website, which still was not possible. I contacted by telephone a second time and was informed by the human being that the report was NOT frozen. That human then accepted my request for the second time in the same day. I requested written/electronic verification or confirmation of the freeze. The human refused, citing TransUnion policy. At this point I do not know the status of my credit report freeze. It is important to be able to control credit report access, for example to rent an automobile. 

Considering that the credit agencies are allowed by law to terrorize consumers with the threat of adverse reports, and that they facilitate other harm-doers taking the similar hostile actions, it is incumbent on them to be transparent.
Product: Credit reporting or other personal consumer reports

I have disputed the date the account was closed with XXXX XXXX. They have refused to provide a closed date on XXXX and TransUnion and is reporting a closed date of XX/XX/year> with XXXX. 

If the closed date is XX/XX/year>, I should have had access to the card as of that date. 

Account number XXXX
Product: Credit reporting

" I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank You. ''
Product: Student loan

I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i have settled two account s with XXXX XXXX a collection company for XXXX   XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX  and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted Equifax today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I've noticed an eviction is reporting on my rental history report I would like to obtain a copy of my report to see if a fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/2022 to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

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

Firstmark is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under Nelnet ( see attached statement from Firstmark, page 2, under lender details ) in XX/XX/XXXX. It went into repayment per the promissory note in XX/XX/XXXX, and it has never been paid or brought current. From XX/XX/XXXX-XX/XX/XXXXI was in chapter XXXX bankruptcy. Firstmark purchased the loan & re-aged the account after my chapter XXXX  bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XX/XX/XXXX. The account is scheduled to be removed in XX/XX/XXXX, but it should now be deleted due to its age.

I have attached the account statement & my chapter 13 bankruptcy documentation.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Product: Credit reporting or other personal consumer reports

Every time I think about my credit score, it feels unfair knowing its lower because of accounts I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, Over the weekend I found that Transunion was reporting a collection for a XXXX XXXX XXXX XXXX.I have never received anything from a business by this name and have no issues with a " XXXX Hospital ''.
Product: Mortgage

Lakeview Loan Servicing ( LLS ) contends that Defendant is XXXX months past due ; however, Defendant was current on the mortgage until the XXXX pandemic in XX/XX/2020. Moreover, the escrow shows a delinquency listed at {$7800.00} past due ( the equivalent of 14.4 months past due ). This discrepancy indicates XXXX has falsified its accounting and there is no basis for foreclosure until a proper accounting is provided. Defendant was never served with notice for mediation. XXXX. The purpose of this legislation is to avoid unnecessary foreclosures of residential properties and thereby provide stability to Indiana 's statewide and local economies. Moreover, the mortgage at issue is an FHA loan. Per the CARES ACT, LLS should make a partial claim made via FHA to bring the account current or the past due amount should be recapitalized to the back end of the loan per the Covid 19 Recovery Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion several times about these fraud inquires but they did not delete them. I am requesting again that this information is deleted.
Product: Debt collection

I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. 

I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. 

I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. 

I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.
Product: Debt collection

On XX/XX/2021 after a 45 day investigation Capital One Consumer Advocacy, Capital One Secured card account services failed their fiduciary responsibilities concerning specific accounting irregularities in the instruments provided by the alleged original creditors. At this time they fail to make any valid claims and insist on having authority when there is none and they are participants in willful fraudulent accounting practices. I HEREBY RESCIND, CANCEL, TERMINATE ANY AGREEMENTS BETWEEN THE PARTIES! A demand for the FULL ACCOUNTING IS MADE AND WARRANTED as outline in irs publications 585. Your continued misappropriation of this financial accounting is warranted. Prepare and submit the necessary documents for closure of this accounting to include all 1099s, statements, credit insurance, pay-off disclosure, interest disclosure. Thank you in advance for your most prompt attention to my worry.
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. 

Account name : XXXX XXXX XXXX XXXX  ; Account number XXXX has violated my rights. 

This agency has violated my federal rights under : 1. 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies Subsections ( 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. 

2. 15 U.S.C 1681 : Congressional findings and statement of purpose Subsection ( A ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

3. 15 U.S.C 1681c - Requirements relating to information contained in consumer reports Subsection ( A ) ( 5 ) : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft Subsection ( A ) ( 1-4 ) : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of 1. appropriate proof of the identity of the consumer ; 2. a copy of an identity theft report ; 3. the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

Last XX/XX/08 my brother send me {$20.00}, via XXXX from his Bank of American cheeking account but I never received. 
Since then weve been complain with XXXX and Bank of American but no one wants to take the responsibility. Now, where is my money? 
XXXX is a company that was credited by 6 bank 's, including Bank of America. So, they own XXXX but when we go to the Bank they tell us to call XXXX and vice verse.Now what do I do? Please help me get my money back. Is not a lot but is my. 
Kindly - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Equifax asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Debt collection

They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
Product: Mortgage

Please see the attached description - Everbank is overcharging me for my monthly escrow account payments.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
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 opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX  savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc report about inquiries listed that i did not initiate. consent to, authorize nor recognize.
Product: Checking or savings account

Im trying to set up an online investment portfolio. PNC Bank is saying the dont support this. Its my money and wish to invest it and am being told I cant spend it that way.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$380.00} Account Name : XXXX XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX -BALANCE {$1800.00} Account Name : XXXX # XXXX -BALANCE {$1800.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$1400.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$9500.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$770.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$8400.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$740.00} Account Name : Unknown # XXXX - DATE OPENED XX/XX/XXXX - BALANCE {$2200.00}
Product: Mortgage

AmeriHome Mortgage Company NMLS ID : XXXX Mortgage Loan Specialist : XXXX XXXX XXXX ID : XXXX We were approached by our mortgage company, AmeriHome Mortgage, about refinancing our loan to get a lower interest rate and lower payment. We thought it sounded like a good move for us, so we started the process in XXXX of 2020. We provided all the documentation and by the end of XXXX of 2020 we had signed the documents to refinance our home. We were told that we did not need to pay any money down to close the refinance. AmeriHome told us our new mortgage payment would be {$1100.00} and that our first payment would be in XXXX. We paid this amount in XXXX and XXXX. At the end of XXXX we received a letter from the Title company stating that there was not enough money in our escrow account to pay the rest of our property taxes. We had to pay out of pocket the rest of the balance. I called the initial Loan officer, who started the process of refinancing for us. He answered and said he was surprised that our escrow was in the negative and said he would check on it for us. I received and email back from him that basically said a new escrow analysis would need to be done. I tried calling back once or twice, but I did not receive a call back from him. What we discovered is that they did an FHA streamline refinance and used our escrow account to pay for our closing costs ... leaving insufficient money in our escrow account to cover our annual taxes at the end of the year. Now there is a deficiency in our escrow account and they have increased our payment significantly causing financial distress.
Product: Credit reporting or other personal consumer reports

I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.
Product: Credit card or prepaid card

Several years ago I requested a Chase  XXXX   XXXX  Credit Card  XXXX  I thought we would be travelling on  XXXX  and liked some of the incentives offered. I received the card, and never used it. The travel on  XXXX  was decided against so I used other cards. I believe the annual fee of {$95.00} was waived the first year. I paid it the second with the intention of cancelling the card. I let it go, and on  XXXX   XXXX ,   XXXX   was assessed the {$95.00} fee. I carry no balance on this card so I do n't check it as regularly as I should, but when I did check,  XXXX   XXXX ,   XXXX  , I spoke with a customer service representative who told me she would refund the {$95.00}. I asked her to close the account and thought I was done with the  XXXX  card. I checked again yesterday. My account was closed, with the {$95.00} annual fee still there, as well as a {$15.00} late fee and {$1.00} in interest. I called customer service and was told it was impossible to waive the annual fee, but now I am being charged for a service that I can not use.
Product: Debt collection

I called chase today about a charge from XXXX. I was being charged for items I returned to them. Chase said tge vendor provided proof of the delivery. I never signed nor accepted the merchandise. Chase allowed the vendor to charge me even though I didn't receive the merchandise and returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX  DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX  RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
Product: Debt collection

Aragon Agency inc, file number XXXX for the amount of {$690.00} under debt validation according to 15 usc-1692 I requested a detailed list of history payments made by me on this account. I wanted to see a signature that I put on a contract guarantee that I would pay this creditor. I asked to see has there been any insurance claim filed on this debt, and I wont proof that they have a chain of title to collect on his debt
Product: Debt collection

XXXX XXXX XXXX is reporting several accounts on my credit files and has not validated any of the debts. XXXX XXXX XXXX began reporting XX/XX/XXXX. After I learned of this I contacted Midland several times XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. Each time I asked for validation of the alleged debt. Midland responded that they were uncertain of what I am specifically disputing.