23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time, I have had to send the paperwork to XXXX to have me added to the loan. I was provided both times the paperwork from our family real estate attorney. I have to do work and spend time trying to get this done via phone call, via email to only never get a call in regards to this from supervisor or whomever is at the end of the loanservicing email. Now - after waiting 30 days, having to call multiple times to find out you're saying my LAWYER gave me the wrong papers, or just maybe you have them wrong. I don't. I want this loan to reflect my name and payment history. I want any and all loans reported correctly to all 3 credit bureaus. Also, as there has been money left over from all closings we've had, I am curious as to where my payments of 1/2 are. As I know legally they're issued to both owners- with an AND so therefore if my ex did anything improper, illegal- and you let him and executed this. Therefore- you both dud something illegal. I want my 1/2 of all monies to be sent via overnight delivery ASAP. I will be calling local authorities in regards to this complaint being sent today. I also requested how to have the deed corrected only to not be able to speak to anyone at all that knew how to do this - except of course for the only email they have, the good ol general loanservicing one that no one ever replies to. I have also sent my legal name change from XXXX to XXXX that was to be corrected on the loan and to be given my own pin as my ex wont give it to me. I have been waiting for weeks to get my " complaint call for a supervisor '' within 24-48hours to ever occur. 
In summary- I want my name, XXXX XXXX XXXX on the loan papers where I am listed first to be on the loan. Next, all loans to be reported to all 3 credit bureaus.I want 1/2 the monies owed me from all the closings that I never received my 1/2 of- which is to be done and is confirmed sent to both of us. I want legal ramifications on all of these issues both with my ex as well as XXXX. And finally, to get me into physical contact with someone from legal about correcting the title/deed. Otherwise, you can be informed at the next closing as a surprise- but I am trying to go about it the right way and advise you and have us do the paperwork together with my attorney at XXXX XXXX XXXX. 

I did try and attach the loan paperwork but the file was too large but I can send anytime requested.
Product: Mortgage

we had an insurance loss in  XXXX     2017 -- t he loss was over  30000 - - the process with  Selene Finance  to get the funds released from the insurance company have been a NIGHTMARE!! They keep changing their process, tell us to d o one thing an d then change it and its holding u p our contractor fro m being paid -- the banks inspector cleared the 100 % completion  3  weeks ago -- we have sent in every piece of paper and the checks and the last issue was the la st straw - - we called and ASKED about sending the depreciation check endorsed or not as I was reluctant to send an endorsed check thru the mail to them -- we were told to NOT endorse it -- and today we got a call that they had to send back for endorsement -- NONE of the checks have been released from them and this is seriously holding up payment for reimbursement to us and ou r contractor fo r completed repairs -- if my complaint should not be to CFPB then please advise to whom -- this is outrageous behavior and process on their part we pay for insurance to be used to take care of repairs and insurance company released funds " weeks '' ago ( over a month a nd 1/2 ) and  we are not seeing any funds paid out because they are holding them.
Product: Credit reporting or other personal consumer reports

I see that there are inaccurate inquiries on my Experian credit report that should not be there. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

now I understand why the FCRA was made because these companies are full of abuse and only want to make money off of inaccurate information! I disputed twice with all XXXX bureaus and I had a few deletions but then they were reinserted on my file and I was never notified and they have to do it within 5 business days of reinsertion. Are they willing to sign an affidavit swearing under oath they sent me something? I get all of my mail and I received all the mail from them except for that. they did n't send me anything and by law they must remove it. not only that, but they did n't send me the procedure they used to verify these items and seeing my name on a screen does not qualify as verification. I asked for the documentation and they did n't provide it. they have a job to make certain that the information on my report is correct and not only that, they have to make sure that the info they receive from the creditors is correct and they did n't. I do n't know what this bankruyptcy is either and the only response is that it stays on my file 7-10 years. did I ask how long it stays on? No I did n't. I have already complained to the AG for my state and I will make a press release. they are treating me unfairly and are breaking the law! 

transunion reinsertion : XXXX XXXX XXXX
Product: Debt collection

They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the XXXX Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was getting ready to apply for an apartment when I checked my credit report and realized I had damages on my credit report. I can not apply for a home with these types of damages on my report. According to the 15 USC 1681 ( B ) ( C ) Law there should not Be any damages to my report and its a defamation to my character. It is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 call TransUnion XX/XX/21 call TransUnion XX/XX/21 call TransUnion to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call XXXX about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

such XXXX CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C. 1681s-2 ( 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.

the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX 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 I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
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 XXXX 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as 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 # ( private case number ) as proof from the XXXX 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 reporting, credit repair services, or other personal consumer reports

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX Compliance. Data Furnisher is in Violation of FCBA XXXX XXXX Code SS XXXX and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX WAY XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I am now opting out any and all authorizations. I, the consumer may have given you written, unwritten, verbal and non-verbally I am rescinding per 15 U.S Code 6802-6805 and is effective immediately and indefinitely. All Collections and Charge-Off is considered a certificate of indebtedness, meaning it is income and must be removed. It is illegal to report transaction history according to the IRS publication. I never authorized any company to share my private information with any third-party agencies and it is violation of my privacy rights under the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

After multiple disputes with Chex systems they are continuing to violate my rights under the FCRA. The account named XXXXXXXX XXXX XXXX  is inaccurate XXXX  XXXX XXXX  no long exist. I never did any business with XXXX XXXX XXXX.How can I owe a company that does not exist. XXXX XXXX is the company I had an account with that went into collection because of overdraft fees.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year>
Product: Credit reporting

Experian web sites do not function correctly. No phone number to reach a human. Phone hangs up on you if you wait. Corporate office refers to number that hangs up on you. No way to contact except postal mail, in which no one responds. Yet, they have control over financial information that may or may not be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get my bank to report my morgage to XXXX and Transunion. XXXX XXXX XXXX XXXX...
Product: Mortgage

I am a victim and a senior citizen of homeowner to be foreclosed for my primary resident which claimed " a shelter or a home '' for my family and we purchased our shelter since XX/XX/XXXX and I worked very hard with 3 jobs and was working for 7 days a week in the young hood due to predatory loan and we could not be paid off in our lifetime so I was behind payments and then I was trying my effort to looking for counsels to do Modifications for foreclosure defenses but Bank was refusing and previous counsel was corruption and conspiracy with a trustee to make us to be " HOMELESS '' we were unaware of foreclosure during taking place on XX/XX/XXXX early morning ( a next day of Independence day ) but we thought that we engaged a counsel to postpone of foreclosure and deal with Modification or reinstatement as prior with {$45000.00} forbearance in XXXX and paid no less than XXXX XXXX XXXX for our shelter. WE complained an essential element of taking place in foreclosure incident due to ( 1 ) with an evil and crooked of my previous counsel, XXXX ; ( 2 ) Bank 's counsel and trustee Foreclosure was taken place on XX/XX/XXXX because my previous counsel practiced of wrong direction and misleading and I wanted him to restore my behind Mortgage but he was greedy to obtain his own interest and betrayed us and failed of his duty.
Product: Credit reporting

I am writing you this letter to dispute XXXX Mortgage late payment history from XX/XX/XXXX-XX/XX/XXXX due to their loan modification program that I did n't sign up for. In XX/XX/XXXX I was approached by XXXX Mortgage about being qualified for a loan modification. I declined the loan modification, only to have XXXX mortgage hold my payments as well as give me alternative payment dates. From the information XXXX provided me I thought I was 3 months ahead on my mortgage payment, only to find out because XXXX held those payments I was 3 months behind. 

I went to refinance my home in XXXX XXXX and was told there was a hardship attached to my credit, as well as late payments due to XXXX mortgage loan modification program. I have attached a screen shot of my account showing my loan modification documents are still under review XX/XX/XXXX. I as well continue to receive letters from XXXX mortgage concerning my loan modification that I never signed up for. 

I spoke with a XXXX Mortgage rep XXXX XXXX, XX/XX/XXXX, and XXXX reps told me all the information I provided above was correct and that indeed XXXX did hold my payments and I was still under consideration for a loan modification. My account was escalated to XXXX Mortgages home owners support specialist team. I have spoken to over XXXX people regarding this issue at XXXX Mortgage several have stated that the problem would get fixed but it has n't. 

This has caused serious damage to my credit, XXXX needs to step up and fix their mistake. It took me calling XXXX Mortgage for the company to even notice a loan modification was still pending on my account 4 years after I turned it down. That 's just ridiculous. 

I ask that all payments from XX/XX/XXXX-XX/XX/XXXX be corrected to Payed on time due to the loan modification I never signed up for. Since disputing this information my loan has been sold. Attached you will see that I have never been charged XXXX late fee
Product: Credit card

On XX/XX/21, XXXX XXXX promised to close my interest in a time share within a maximum time of 18 months. I applied for a line of credit to cover the cost, XXXX XXXX approved and charged {$12000.00} to a Wells Fargo Visa, which soon arrived in the mail. There is a dispute with the companies XXXX XXXX and Complete Closing, in which Complete Closing filed a lawsuit against Resorts Management for nonpayment of services to them. I am in the middle with having paid for a service and not having any recourse. I filed a dispute claim with Wells Fargo, providing the paperwork from the lawsuit. My claim was denied.
Product: Credit card or prepaid card

VISA Account Number : XXXX XXXX XXXX XXXX VISA Case Number : XXXX XXXX Case Number : XXXX Merchants Name : XXXX / XXXX XXXX Date of Transaction :XX/XX/XXXXSir : On XX/XX/XXXX, I paid {$150.00} + {$150.00} = {$310.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX XXXX flight number XXXX for XXXX to XXXX XXXX flight date XX/XX/XXXX 
On XX/XX/XXXXI received an email from XXXX to advise that I had been assigned a later flight ( XXXX XXXX XXXX number XXXX ), for XXXX to XXXX XXXX flight dateXX/XX/XXXX. 
On XX/XX/XXXX I received email shown in EXHIBIT 1, from XXXX XXXX to advise that XXXX XXXX XXXX number XXXX was cancelled. 
On XX/XX/2020 I phoned VISA and advised them of the flight cancellation, and they applied a {$310.00} credit. 
I received two letters from VISA dated XXXX XX/XX/2020 ( EXHIBIT 2 and EXHIBIT 3 ). 
These letters advised that the charges would be reapplied. 
On XXXX XXXX I wrote a letter to VISA shown in EXHIBIT 4. In this letter, I provided email ( EXHIBIT 1 ), as evidence that the flight had been cancelled. At the time of writing, I have not received a response to my letter from VISA.
Product: Credit reporting or other personal consumer reports

I got credit inquiries show on my XXXX app. I also recieved letters in the mail stating I made an application for the credit cards.
Product: Credit card

Please review the attached documents. I am urging the bureau to investigate these accounts that falsely report me as late, even though I am consistently on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Things On My credit thats not recognized by me
Product: Credit reporting or other personal consumer reports

Ive recently sent in letters to ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. They still are continuing to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only and and current Address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX My Date of Birth : XX/XX/1967 Last XXXX of Security Number : SS # : XXXX
Product: Money transfer, virtual currency, or money service

Had problems with previous transactions and need help recovering funds I asked to be investigated but never received the proper to retrieve lost wages