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

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting ability to credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for Failure to Verify Late Payments Issue : TransUnion has not conducted a proper investigation into the disputed late payments on my credit report.

Details : I initiated a dispute regarding several late payments that I believe were inaccurately reported on my credit report.

TransUnion failed to provide adequate documentation or evidence verifying that these late payments are valid.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I have the right to receive a detailed explanation of the method of verificationincluding : The contact information of the entity that verified the late payment.

A thorough explanation of how TransUnion conducted its investigation.

The specific documents or records used to substantiate the reported late payments.

Despite my dispute, TransUnion has not supplied this proof. Consequently, the disputed late payments continue to negatively affect my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Midland Credit Management has called on XX/XX/20 and XX/XX/20 looking for XXXX or XXXX XXXX, and I informed them that I have no idea who they are and that they no longer own this phone number, in which Ive had for almost a decade now. They informed me that they will note this in their system, yet I still get too many harassing calls from them for someone elses debt.
Product: Mortgage

Follow up to previous issue. 
Today I tried to make 5 payments + late charges by phone. This is before the XX/XX/XXXX deadline that was outlined in the servicer response to me and the CFPB drafted by XXXX XXXX. Despite 3 attempts to make this payment by phone, no agent would accept it. Further, each agent told me they could not see the letter I am referencing. ( This letter is the response attached to my previous complaint ). 
When I requested a supervisor, I was refused. I requested a call back, which the agent indicated they would send an email to their supervisor but could n't guarantee a call back. I asked if the agent could email XXXX XXXX - the respondent on my previous complaint - and was refused this as well. 
I am immensely frustrated at this point - the servicer is not following their own guideance and making it extremely difficult to simply make a payment. I have initiated a payment from my financial institution in the amount of {$5500.00} to cover the full arrears plus the next payment due.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion and XXXX regarding the inaccurate and harmful reporting of my credit account details. Specifically, I demand immediate action to correct the following : 1. Late Payments 2. Collections 3. Charge-Off Status
Product: Debt collection

I noticed an account on my credit report from ProCollect in 2015 for an apartment complex that I have never lived in. I have been disputing this with ProCollect and the credit agencies for years with no progress. Not only is the debt not mine, but it is also duplicated on my credit reports. I have submitted documents of proof of residency during this time, but ProCollect still will not have the items removed from my credit report and continue to make attempts to collect the debt. I recently contacted ProCollect, the orginal creditor and the credit bureau to provide me with a validation of the debt in the form of the original lease, cancelled checks for rent and/or money order receipts to show proof that I lived there, which none are able to provide. I don't know if this was identity theft or something that the collection agency just came up with. I have had no other problems with any other companies reporting any type of debt during this time. And since no one can provide me with documents to validate the debt, I have to assume that ProCollect has simply put this on my credit report in error, or deliberately. Although ProCollect has stated over the phone that the accounts appear to be duplicates, they will not even remove one of them, which will at least decrease my debt balance. However, both of these accounts need to be removed! They are not my accounts. ProCollect finally said today that they would possibly remove the duplicate account but I would still be responsible for the other account. They said that I needed to provide them with an identity theft affidavit, in order for them to even consider looking into the other account. However, without them providing me any documentation of the lease or payments to verify that someone else used my information ; I don't feel right swearing to identity theft, when I don't know if that is the case. I do not know how they got my information and I can and have provided proof of my residency elsewhere to the credit bureaus. I do not feel comfortable giving ProCollect any more information than they already have about me, since I don't know how they got my information. The amount that they are showing owing on both accounts is {$6600.00} for a total of {$13000.00}. These accounts need to be removed immediately from all three credit bureaus!
Product: Credit card

Hello, I applied for a Chase Sapphire Preferred Card and was denied. A hard inquiry was made to my credit on XX/XX/year>, dropping my score to FICO score to XXXX, from an estimated XXXX. I did not receive any notice from the company so I called multiple times and different numbers where I was not informed about why I was declined and always told to wait 7-10 days to receive a letter in the mail. There has been no letter to provide reason for the denial. A formal " Adverse action notice '' has not been provided in accordance to the ECOA. I have excellent credit, no delinquency, no other Chase credit cards, no recent hard inquiries to my credit. There is no reason to deny my application, thus my rights at this time have been violated.
Product: Credit reporting

I 've previously disputed this issue with the CFPB. I NEVER filed for bankruptcy. This issue is now on my son 's credit report.
Product: Consumer Loan

XX/XX/2012, I got into a bind after totaling a vehicle and needed a new car bad. After shopping around I found it hard to get financing. I found a dealer who got me financing through automotive services finance and it was a disaster from the start. The dealer, XXXX XXXX XXXX XXXX, seen the vulnerability and got me a extremely overpriced vehicle at a terribly high interest rate but I accepted since I found nothing else. After two days of having the car the check engine light illuminated. I returned to the dealer, who is now permanently closed down, to get it checked and he told me I already owned the vehicle so it is none of their concern. ASF couldnt help me over the phone as well. Fast foward maybe about two years without missing a single payment. I am XXXX military and two days before XXXX the car catches on fire while I am on the highway. A bystander stopped and gave me a fire extinguisher and a follow me truck from the state of Virginia escorted me home watching that the car does not catch on fire again. The car was no longer drivable. I contacted ASF since I had GAP coverage but left to XXXX before a response was received. While I was on XXXX I sent numerous emails to ASF regarding the GAP coverage. My wife also sent emails and made many phone calls. We did not get any response and when we did get a response it was that someone would call me back. Finally when speaking to the account manager I was told someone would come out and make a estimate of the damages. That never happened. I was told they would store the vehicle for me and have a mechanic take a look at it. I shouldve known that was a lie just to be able to get the vehicle in there possession. After 6 months of making payments on time for a car I no longer had, I came back from XXXX and needed another vehicle. So I was forced to stopped making payments on the ASF vehicle to be able to afford another. The second I missed a payment is when they would start calling me but said GAP would no longer cover me since I no longer had insurance. Although I had insurance when the damage was done. They got a judgement on me and threatened to garnish my wages. The judgement is now showing on my credit reports damaging them terribly. The account is also shown as Charged-off, stopping me from obtaining any kind of credit from anywhere without a insanely high interest rate. I still make payments on the account since I want it removed and they came to a settlement with me, but the damage is already done to my credit history and will effect me for years to come. I believe this was very unfair practice from the very beginning to a consumer and a servicemember.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an agent named XXXX XXXX, in the Fraud Department Special Handling for Transunion Information Services, regarding the account with XXXX  XXXX account # XXXX. XXXX XXXX stated to me that the account was disputed on XXXX XXXX, and Transunion Information Services came back and verified the account on XXXX XXXX. XXXX XXXX also stated that the account has an FTC Statement that was attached to it. The account remains on my credit profile, which is a violation of my consumer rights. TransUnion has violated my rights according to the FCRA 15 USC 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, credit repair services, or other personal consumer reports

Hello, This complaint is in regards to the late payment reporting on my credit report on XX/XX/2022. I would like to let you know that during the timeframe of the late payment having happened, I was diagnosed with XXXX and got very sick. As a result, I was unable to attend work for close to a month and I had to call creditor 's to make adjustments for the time being. My niece had made phone calls to my credit cards to let them know about the situation and how because of my illness and hospital visit, I would be unable to make this month 's payment on time. AmeriHome Mortgage WAS notified during this timeframe. I believe that by SEC. 4021 Credit Protection During Covid-19, I am protected from negative information being reported on my credit report for THIS SPECIFIC incident. I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I unfortunately fell ill during this time and was unable to make one payment on time. There was a lot going on that I had to deal with. I hope your company is able to help me move past this tough period in my life and continue doing business with me long term. Thank you for your help.
Product: Debt collection

Target {$1700.00} sent several dispute letters requesting the correct debt validation including the original contract with signature, proof of collection authorization, and payment history. One of the dispute letters was sent in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required XXXX  report to the XXXX XXXX XXXX regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX XXXX -, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Product: Debt collection

I was told by my Landlord on XX/XX/XXXX I had until XX/XX/XXXX to move out because my lease will not be renewed. I had XXXX witnesses who heard this conversation one of them was the property manager. I wrote a letter stating that I was being evicted and my lease was up on XX/XX/XXXX. I also stated on there I was giving my notice for moving out even though i was being evicted. Well I dropped this letter in the drop box at the apartment complex. Then I started getting phone calls saying I owe for the Month of XX/XX/XXXX. I was contacted by a new Landlord from the complex. I told them what happened and had a copy of the letters I left and went and dropped them off with the new landlord because they said I never gave a notice and I was never evicted. Anyways I gave a copy to the new landlord and they still are trying to get me to pay the {$600.00} plus I do not owe. I still have the orginal copys. I was and still am on Section 8 Housing and they HAVE the copies of everything also proof that they called XXXX apartment asking why they evicted me. I had to go though a hearing because I almost lost my section 8 housing because of my Landlord. THankfully I did not lose it because the proof of the letters helped in my appeal. I just want this off my credit score because I do not owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to dispute with collections company about early termination fee. I sent a copy of Resident notice of intent to move out form, which clearly has the box checked that states ( we approve the move out date that you submitted in your notice of intent to move out and your lease term will end on that date. So how are they trying to charge me for early termination fees?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau Equifax. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

2. **Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

3. **New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureaus and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting

I have the same account on my credit report XXXX times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XX/XX/XXXX. This information is wrong this is one account which should be paid in full. 
XXXX Other XX/XX/XXXX Closed 1 Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XX/XX/XXXX Closed {$XXXX} This account below is fraud. 
XXXX Other XX/XX/XXXX Closed {$4100.00} The two accounts below is not mines. 
XXXX Auto XX/XX/XXXX Open - Collection/Charge-Off {$3000.00} XXXX Credit Card XX/XX/XXXX Closed {$1000.00}
Product: Credit reporting or other personal consumer reports

I have sent written requests for information to be updated on my profile as accurate. The information needs to be properly verified and updated or deleted from my profile as this incorrect information is causing me personal harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

Cash app closed my account and didnt return my money. Just stated that I did the transaction with no verification and closed my account.
Product: Mortgage

Value of the property is XXXX and the loan value is XXXX, I am beyond 30 % of current value of the property. I sent them XXXX $ to perform the appraisal and instead they took my check to they stated that they refunded me ; all this without notifying me. They only notified me about the LTV ratio being to high, there is no way of knowing the LTV without the appraisal taking place. I had my own appraisal performed and the property appraised for XXXX. They do not want to remove the PMI and this has been going on for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX i also filed a compliant with the ftc
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.