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

I have filed form 14039 with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore theperpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in inaccurate personal information, negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title 15 USC 1692G ,1692K et seqThe FCRA demands that CRAs use reasonable procedures to assuremaximum possible accuracy of information contained in consumer reports, 15U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute anyincomplete or inaccurate information in their report. 15 U.S.C. 1681i.All inaccurate information highlighted in my credit report must be deleted immediately. 


All the highlighted personal information is inaccurate
Product: Debt collection

A company, PDM added a collection to my report on XX/XX/XXXX from a bill from XXXX XXXX I am not sure of the original date of service. I want to dispute the reporting to my credit, as this debt has been paid and I was not notified that the account went to collections. I was under the impression that my insurance covered the balance. I never received a phone call or letter from PDM to attempt to be able to resolve the balance with them before they reported to my credit. Please help.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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: Debt collection

This company has furnished my XXXX credit report with false information regarding an account with am owed debt attached. I never went into contract or agreed to any contract with company for any reason. They illegally obtained my information to falsely report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, XXXX  is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.
Product: Mortgage

I was denied for a loan modification review and this is in error. I was approved for a deferral of the payments I missed due to hurricane Michael which was a FEMA declared disaster. Select Portfolio Servicing committed to deferring the payments during the plan in the back of the loan but they failed to do it and thereby I fell behind. I am also a 100 % XXXX us XXXX veteran and feel they are violating my rights under the Fair Housing Act by not  recognizing my XXXX income for the review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following incorrect personal information on my credit report. Incorrect/Inaccurate Names : XXXX XXXX ( spelled wrong ) XXXX XXXX ( spelled wrong ) Incorrect/Inaccurate SSN : XXXX ( not my SSN ) XXXX ( not my SSN ) Incorrect/Inaccurate Addresses : XXXX XXXX  XXXX XXXX CA XXXX ( does n't exist ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( missing apt # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX XXXX and Experian. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 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 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 XXXXXXXX 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/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/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 XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.
Product: Mortgage

My payment is set up on ACH and automatically drafts during grace period EVERY SINGLE MONTH. So, when getting home late from work, did not appreciate getting a letter dated XX/XX/year>, telling me they hadnt received my payment and warning me about late charges. So I drop everything to deal with IVR that is trying to get me to sign up for medical devices and refinancing when I just want to make sure my payment drafted. As expected, my payment drafted as set up on XX/XX/year>. Fix your letter logic please so I dont have a XXXX XXXX.
Product: Mortgage

We have a 30 year fixed rate non conforming conventional 1st mortgage from XX/XX/2016. At the time we bought the house and took the loan, we knew that we wanted to recast the mortgage in a few years. Our loan was initially with Everbank and the mortgage broker, XXXX XXXX, specifically told us that we were allowed a one time recast, which would reset our monthly payment obligations, if and when we made a large principle payment. About 1 1/2 years into our mortgage, we were notified that TIAA was now the new servicer of our loan. About a month ago I contacted TIAA to find out what I needed to do to recast the loan as we want to pay of 2/3of the principle now. I was told that TIAA would need to get approval from the owner of our loan. I had no idea even that TIAA was not the owner of the loan. In any case, we received a letter that our request was denied by our lender, but I could not even get a clear answer of which bank or who owns the loan. And I couldnt find out why we were denied. Now with Covid. And our income greatly reduced it is even more important to get our monthly obligations as low as possible. After speaking to several different banks, that supposedly own our loan according to TIAA, ( XXXX XXXX and XXXX XXXX XXXX XXXX Branch ), howeverbothof them report that they do not own the loan! So it is completely unclear who TIAA even sent the request to recast our loan and it is unclear why we would not be allowed to. You would think in this time of Corona and people scrambling for assistance with paying the mortgages, that the bank and services would be thrilled to get at least a guaranteed payment of something! 

I have made multiple calls or emails to TIAA, XXXX XXXX and XXXX XXXX. Everyone has been anxious to help, but I still have no answers to who owns the loan and why the rules have changed and I am no longer able to recast.
Product: Credit reporting or other personal consumer reports

I have repeatedly reported incorrect information in my TransUnion ( XXXX ) Credit files, and they refuse my rights under 605 ( b ) and information I included about my dispute " NOTICE TO FURNISHERS '' ( from FTC identitytheft.gov ). Yesterday, I was denied credit due to a collection on my report. I previously informed TU about this not being my account, and they closed the dispute and refused to correct my file. I then reached out directly to XXXX on XX/XX/XXXX who quickly handled my issue and responded with a letter that this debt didnt belong to me. This was provided to all CRA 's. 
XXXX is the only CRA that still shows this incorrect collection account on my file. Today at XXXX XXXX I contacted XXXX  by chat to inquire why this XXXX XXXX account was still on file. My issue was not resolved, I was told to call XXXX and speak to someone in " special handling '' I called this number at XXXX XXXX  XXXX and was finally connected to " XXXX in special handling ''. XXXX stated that although XXXX did reach out and provide XXXX  with the information that its not my account, my XXXX  report will not be updated until after XX/XX/XXXX because I have an unrelated dispute pending. I informed her that I should not have to wait for this error to be removed from my account, I quoted 605 ( b ) and Section 623 of the FCRA, 15 U.S.C. 1681s-2. She said I would have to wait, no way to remove the incorrect COLLECTION ACCOUNT until after my dispute is completed : MY DISPUTE ASKING XXXX TO ALSO REMOVE ACCOUNTS THAT HAVE ALREADY BEEN FOUND TO BE INCORRECT BY OTHER CREDITORS! TransUnion has no regard for my rights as a consumer as has caused me to be denied credit thus causing financial loss. At XXXX XXXX today I emailed all of this information to XXXX  at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Product: Credit reporting or other personal consumer reports

According to the Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information. ( 2 ) Prompt notice of dispute to furnisher of information. ( A ) In general. - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. Recently, I did an investigation on my credit report which caused me severe XXXX upon me and found it unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 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
Product: Credit reporting or other personal consumer reports

I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by transunion, XXXX and Experian. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX XX/XX/XXXX BALANCE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE : XXXX
Product: Debt collection

I've made several disputes and reports against this Equifax not handling two accounts they have placed in my credit report and asked for it to be taken off immediately. I have also called and spoken with agents several times. This issue is not being handled and just being ignored. They are reporting an account of XXXX XXXX XXXX acct # XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX in the amount of {$3700.00}. They are stating it's past due and in collections. I do not have an account with this company never have had an account with them and never signed an agreement or contract with this company of any debt. I have asked repeatedly since XXXXXXXX XXXX XXXX for this company to give a bill of sale, debt validation and 1099-c as well as debt validation there has been no evidence provided. This company continues to take the collection off my report as closed then put it right back on my account as an open account. They have it as an open account, then they change it to a charged off account, then back to open they used different addresses and names of the company. Where it states Original Creditor name they are changing the name up on XXXX for the moment it is stating XXXX XXXX XXXX. They also have allowed another inaccurate account i have complained about and disputed several times that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX stating I owe a debt in the amount of {$1200.00}. When it says original creditor it says there is no info this is an inaccuracy and causes for immediate permanent removal. This is another account that Equifax allows them to open and close this account on my credit report and I have seen this on my reports in the same day. XXXX has allowed this fraudulent activity to happen and affect my credit tremendously in such a negative impact damaging my credit preventing me from trying to purchase a home. 
Everything on this account is inaccurate I need this looked into please and remove immediately for once and for all
Product: Mortgage

Re : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX  Title Policy # XXXX Closing Date : XX/XX/17 To whom it may concern : Following a description of my complaint.

Both, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( closing agent ) are negligent by overlooking an existing lien on the above referenced property.

No document in my closing package mentioned or referenced the existence of a Green Corridor '' lien/ or a consent to assume said loan, payable once a year via the property tax bill.

Moreover, the underwriter failed to include, as a requirement to close in SCHEDULE B - SECTION I, Payment, the cancellation and satisfaction of record of mortgage executed in favor of Green Corridor.

Please contact me should you require any supporting documentation or information.

Looking forward to hearing back from your agency soon.

Sincerely, XXXX XXXX XXXX p.s. YES, I agree that you publish my complaint. I am certain many consumers are in the same predicament and are not aware.
Product: Mortgage

I requested Forbearance on XX/XX/XXXX per phone and also sent an email with the appropriate FHA information regarding Forbearance. Other than an automated email asking for 4-7 days to review, I received no response until XXXX XXXX to let me know that Forbearance was not an option for me. On XXXX. XXXX, I emailed FHA information pertaining to my particular loan type to Vanderbilt. Received a response back on XXXX XXXX to let me know that there were no options available to me. I have called the FHA reaource center three times and these options are available to me by the CARES act, but not being granted by the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account below needs to be corrected : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX all accounts were last paid in XX/XX/XXXX. Shown on my credit report as XX/XX/XXXX but 2 of the 3 accounts are still on my report. All 3 should have been removed as they are more then 7 yrs old like XXXX and XXXX has removed them. XXXX XXXX XXXX needs to be removed as its not mine. When I tried to contact that company for more information, I received the letter back by the USPS as unable to deliver or forward on XX/XX/XXXX. So I would like to know how Equifax was able to verify it. XXXX XXXX XXXX has never responded to me.
Product: Credit reporting or other personal consumer reports

Individuals with ITINs face serious limitations as they are unable to access their credit reports from two of the three major credit bureaus, specifically TransUnion and XXXX. This situation significantly increases their vulnerability to fraud, as they can not monitor their credit history and detect suspicious activities in a timely manner. Currently, only XXXX allows individuals with ITINs to access all its services, including credit monitoring, credit freezes, and credit scores. 

It is unreasonable that other bureaus like TransUnion and XXXX do not offer the same services, especially considering that implementing these functions for ITIN holders is clearly not impossible. The lack of complete access to credit information puts these individuals at a disadvantage and less protected against fraud, which could have severe financial consequences for them. 

I urge the CFPB to take action to ensure that all credit bureaus provide equal and comprehensive access to ITIN holders, just as XXXX does. It is crucial to establish uniform standards that protect all consumers, regardless of the type of identification they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.