23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX  to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX  report as they carry no active balance and have remained and still remain as a charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was sued in court by XXXX XXXX XXXX on behalf of Westlake Prep and I had to Hire an attorney to work on my behalf and I paid them in full the full {$2900.00} and received a settled in full with a {$0.00} balance. However once it was updated with three credit bureaus they updated it as owing {$330.00}. My lawyer informed me this will be updated to {$0.00} once paid in full and XXXX XXXX XXXX stated the same information. I called Westlake and they are trying to make me pay more money!!!! This is seeming very scammy and I need this updated as this is hindering me from getting a house and I am a business owner and they are questioning this as I am getting business credit for my business.
Product: Mortgage

My mortgage is serviced by LOANCARE, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

Payments has never been late. The payments are made automatically by my bank each month. In XXXX XXXX the regular payment was made in the amount of {$950.00} PRIOR to the due date of XXXX XXXX. The payment was made Electronically and debited my account. I received a pst due email notice from LoanCare on XX/XX/XXXX. I contacted LoanCare. They indicated was never received. My bank informed me it was sent and received. Called back LoanCare. LoanCare asked for specific information, and copy of the transaction information. ALL was sent on or about XX/XX/XXXX. Then, I followed up next day but they said is not sufficient. I immediately made an extra payment to allow me time to follow up. I sent more information later with a letter from bank. Few days later, LoanCare said the letter was not sufficient! I followed with my bank, which sent ANOTHER letter directly to LoanCare on XX/XX/XXXX, based on LoanCare direct request. I sent a copy of this letter to LoanCare as well on XX/XX/XXXX! LoanCare has the necessary information to track my payment- all!! however, LoanCare is yet to apply my payment. The company is earning interest on my money, small might be..it is MY MONEY! imagine doing the same to XXXX... then you have good amount setting somewhere earning interest for someone!!
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or XXXX [ XXXX XXXX, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 XXXX U.S.C. XXXX g ( XXXX ) Identity Theft and Assumption Deterrence Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

Pnc bank charged XXXX dollars in late fees. Even though we paid the home equity on time, they accumulated late fees for XXXX months. We didn't get notice and this kept happening even though we paid on time through online/phone bill pay. I called and asked them to waive but they said they could only do XXXX dollars. This seems excessive, particularly when they payments were ontime and it went into collections strictly because the amount was altered because of cumulative late fees to the total of XXXX. Again, the loan itself was paid ontime during this whole XXXX  month period and the company did not contact us to -- they just kept charging.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that XXXX, XXXX cease reporting the account referenced above to the credit reporting agencies due to the inaccuracies and inconsistencies in the reported payment dates. It has come to my attention that the payment dates for this account differ significantly across the XXXX major credit reporting agencies ( Experian, XXXX, and XXXX ). These discrepancies are misleading, and as such, the information being reported is false and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that any information you report to credit bureaus is accurate and complete. Since the reported information is neither, I am exercising my right to dispute this inaccurate reporting and request that you immediately cease reporting this account until the discrepancies are resolved. 

To support my dispute, I have included copies of my credit reports from the XXXX major credit reporting agencies that highlight the inconsistencies. 

If XXXX XXXX XXXX is unable to verify the accuracy of the information you are reporting, I request that you delete this account from all reporting to credit bureaus, as required under the FCRA. 

Please confirm in writing that the requested actions have been taken or provide verification of the accuracy of the reported information. I expect a response to this matter within 30 days of your receipt of this letter, as outlined by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

They have called my work phone and have left messages on my VM when I had contacted them and advised them several times not to call my work place. The last call was  XX/XX/XXXX - called my work extension and left a message telling me they will come to my work place it home w papers. They call in via a blocked number but I am able to retrieve number. I called and advised them again on  XX/XX/XXXX , however, they refused to confirm they called and denied it telling me someone else has my file and refused to provide that information on who has my file.
Product: Debt collection

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt from PORTFOLIO RC for XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Credit reporting or other personal consumer reports

I submitted information through the CFPB to unblock access to my report so I can view it. I sent them my social license the back copy of my license and utility bill. And the letter stating that I want access to my report online. And to update my address it should be XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Mortgage

XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 items 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. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd XXXX 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 XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting

I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return 2 of the 4 receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.
Product: Credit card or prepaid card

Tried to use my card XX/XX/18 and XX/XX/18 and it was declined. Called the number of the back of the card to find out why and after being on hold for nearly an hour was told they couldn't help me. I needed to talk to a specialized fraud department. Gave me a phone number ( XXXX ). Have called them numerous times and get left on hold. System automatically cuts you off after 2 hours so you never get to the front of the line. I have spent nearly 15 hours trying to get someone to answer the phone. 

Not only can I not use my card I can not pay my bill online or collect on my earned cash rewards. I want my money back and then I am done with this company ... it is absolutely disgraceful that they would shut a persons card down and then not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I uncovered Experiential Proof that TransUnion Employs Systemic Predatory Credit Reporting Practices designed to intentionally harm people. 

I have a lot of credit which I keep below a 10 % Credit Utilization Ratio and pay off all cards every month except for 1 XXXX  XXXX XXXX card that was on a 0 % Promo. 

That promo was set to expire and so I was going to pay it off when I received an amazing offer from XXXX XXXX. 

{$10000.00} at 0 % and no Fees of any kind for 18 months so I transferred my XXXX  XXXX XXXX balance whose promo was about to end and a couple of other small cards plus a principle reduction payment to XXXX XXXX  to round out the {$10000.00} So on Tuesday XX/XX/2021 I paid off {$10000.00} of debt and to my surprise that made no impact to my credit report whatsoever. Not even a 1 point increase. 

My score was XXXX and that is where it stayed. 

Then on Sunday XX/XX/2021 when XXXX card reported to TransUnion, TransUnion dropped my score and incredible 111 points and 2 days later on XX/XX/2021 just for good measure TransUnion dropped my score another point bringing me from XXXX all the way down to XXXX or from excellent don't to Yikes! Don't give this guy any credit. 

Just in time to refi my mortgage and take advantage of the current super low rates. I was quoted 1.75 % on a 15 year and now ... They don't even want me to submit an application until this is corrected because it will be denied. 

It is very clear that TransUnion probably in coordination with the big banks has made this change to their algorithm intentionally to hurt people by causing them to have to pay higher rates on all financial products. 

I have done balance transfers in the past with no impact because obviously they can see transfers are lateral moves that make good financial sense and are an indication of smart money management vs a potential problem. 

I contacted TransUnion and they were not helpful at all. Finally, the rep offered to transfer me to a supervisor who might be able to help and I heard the words ... " I'm not gon na do anything about it '' followed by my being hung up on by the supervisor at TransUnion. 

This isn't right! 

Please help me and the thousands or even millions of good hard working responsible people who TransUnion is systematically and intentionally hurting with their unfair, unjust and predatory credit reporting and scoring practices. 

Thank you ...
Product: Mortgage

***CRIMINAL FRAUD BY XXXX XXXX , XXXX XXXX , XXXX XXXX FAILURE TO MAIL MONTHLY STATEMENTS IN XXXX LYING TO CFPB ABOUT RESOLUTION*** LOAN SERVICING FRAUD**** CRIMINAL THEFT****FAKE CUSTOMER SERVICE**** ILLEGAL ATTORNEY FEES*** ILLEGAL INSPECTION FEES *** ILLEGAL LATE FEES *** CRIMINAL FRAUD *** NATIONSTAR TOLD THE CFPB IN XXXX THAT WE AGREED TO A RESOLUTION. WE PAID AS AGREED BUT NATIONSTAR KEPT A BALANCE ON THE ACCOUNT AND THEY HAVE COMTINUED TO ADD LATE FEES, ATTORNEY FEES AND ILLEGAL FEES OF OTHER KINDS TO A LOAN THAT IS CURRENT WE HAVE ASKED COUNTLESS TIMES TO HAVE IT CORRECTED BUT THE AMOUNT CONTINUES TO GROW AND THEIR ARROGANCE GETS BOLDER EACH MONTH AS THE ILLEGAL FEES CLIMB THIS IS NO ACCIDENT OR OVERSIGHT. THE ENTIRE COMPANY IS A FRAUDULENT CRIMINAL SCAM PROVIDING NO VALUE WHATSOEVER TO ANYONE THEIR CUSTOMER SERVICE IS NOT ONLY THE WORST IN THE INDUSTRY IT IS INTENTIONALLY MISLEADNG XXXX XXXX, XXXX XXXX, AND XXXX XXXX HAVE ALL LIED TO THE CFPB IN THEIR RESPONSES. FRAUD HAS BEEN PROVEN AND CONFIRMED BUT THESE EXPERTS IN CRIMINAL CONVERSION HAVE PENCIL WHIPPED NUMEROUS CRIMES INTO A FALSE STATE OF LEGALITY. 


LOAN ORIGINATION FRAUD IS ILLEGAL. PREYING ON MINORITIES, LESS EDUCATED AND ELDERLY USING FRAUD IS ILLEGAL. LOAN SERVICING FRAUD IS ILLEGAL. ... XXXX, XXXX AND XXXX ALL HAVE STATED IN WRITING, HOWEVER, THAT CRIME IS LEGAL WHEN THEY SUPERVISE IT.
Product: Credit reporting or other personal consumer reports

Trans Union website has been broken for weeks and will NOT allow you to freeze your credit report online. This comes after the recent data breach of XXXX XXXX XXXX. Trans Union 's website is not allowing credit freeze, and also NOT allowing a credit lock via their security website mytrueidentity.com All the ways to freeze or lock your report with Trans Union are BROKEN
Product: Vehicle loan or lease

Consumer Portfolio is show a charge off on my report and that is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed to Transunion, XXXX XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

Experian is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.