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

I am a victim of identity theft, and fraudulent accounts and inquiries have been added to my TransUnion credit report without my authorization : Fraudulent Account : XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I never applied for or authorized these accounts or inquiries. Despite my disputes, they remain on my credit report, negatively affecting my financial standing. I have provided my FTC Identity Theft Report and government-issued ID as proof that this information is fraudulent.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

After i filed a complaint on XX/XX/2019, credit acceptance Called my work llace on XX/XX/XXXX and XX/XX/XXXX. Isnt it illegal to contact consumer at their work place?
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries from my credit report.
Product: Mortgage

On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called to close my XXXX checking account at least XXXX times and it still has not closed. Every time I escalated the phone call to a supervisor I was assured it would be closed within the next 30 days. There are numerous people out there who have the same problem because XXXX will not close their accounts. We all think they are trying to pad how many people have accounts with them which is why they will not close the accounts. My account has a {$0.00} balance and there are no pending transactions.
Product: Mortgage

my mortgage company keeps overcharging me for taxes and insurance and they have added an extra charge for a past due amount when there is none. 
for XX/XX/2021 bill taxes and insurance is a total of {$150.00}, based on the city tax bill and my insurance premium but they charge me {$270.00} plus a past due amount of {$15.00} and payment was made on the XXXX. 

they have charged me for a year and I cant seem to get an explanation as to why. for the past 12 months, I have been charged {$1500.00} without a logical explanation. 

I have 2 loans with them and it's the same thing twice. 

this can't be legal.
Product: Mortgage

Payment from my bill pay was scheduled to arrive to Planet Home Lending by XX/XX/XXXX and was mailed on the XXXX. Planet Home Lending Claims that they did not receive payment until XX/XX/XXXX and charged a late fee. This is the second occurrence of this type of " payment delay '' and reason to collect late fees.
Product: Credit reporting or other personal consumer reports

It's been more than 30 days, and XXXX hasn't responded to my inquiry. They're supposed to follow up on investigations, and them not doing so breaks the law. Ignoring my request is a violation, and I need them to take this item off my credit report.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : DISCOVER FIN SVCS LLC Charge : {$1300.00} Date : XX/XX/2016 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving an account fraudulently opened. Somehow they veried the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please include all names and contact information of employees that you spoke to as part of this investigation. 
I have sent several times my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent account.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX online opt-out malfunctioning. No other option for online communication availabile ( no help email/messaging ). 

Repeatedly unable to get past improper format message despite answers being a ) from their own drop down menu and b ) correct zip code. See screen shot.
Product: Mortgage

I have applied for a refi of an existing mortgage with a conventional loan on XX/XX/2019 with Vectra bank and it has been 90 days, I have received no loan status for the last 30 days. Vectra Bank has ignored my emails. The lending personnel I started with Sonary Im is no longer working on the loan. Her boss XXXX XXXX took over a month ago and he has not responded to my loan status inquiry. Every day I wait, I am losing $ XXXX/week for interests that I could have saved. I paid my appraisal fee {$780.00} in full 3 months ago and now I received no loan status. Forget about how Vectra bank do business in Colorado ( they shouldn't if that is how they treat their customers ), there got to be some regulations on the bank as to how much time they have to provide loan status -approve or not approve than leaving consumers hanging like me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Items from Credit Report under 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A Dear Sir/Madam, I am writing to formally request the removal of certain negative items from my credit report, as they have been reported inaccurately and in violation of federal laws, specifically 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A. 

Under 15 U.S.C. 6802, financial institutions are required to provide consumers with privacy notices and an opportunity to opt out of information sharing with third parties. I believe that XXXX XXXX Violated my rights under this section by improperly reported a late payment in XX/XX/year>, leading to unauthorized sharing of my personal information and subsequent negative reporting on my credit report. 
Additionally, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be furnished. I have reason to believe that my credit report was accessed without a permissible purpose, resulting in inaccurate negative items being reported.

Furthermore, under 18 U.S.C. 1028A, it is a federal offense to knowingly transfer, possess, or use, without lawful authority, a means of identification of another person. I suspect that my personal information may have been unlawfully used, contributing to the erroneous negative items on my credit report. 

Given these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to remove the inaccurate negative items from my credit report. Attached to this letter, you will find copies of my credit report highlighting the disputed items, along with any supporting documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely,
Product: Credit card or prepaid card

On XX/XX/21, I have returned 5 items to XXXX store in XXXX, OR IN PERSON. 
The merchant issued me a total refund of {$350.00} ( I have now both proofs : merchant copy and the my copy of this return/refund ) to be credited back to my XXXX Citi bank XXXX XXXX credit card. This refund has never been credited back to my account by Citi bank. Instead, Citi bank started a dispute which they later rejected. The money was never credited back. 
Now the dispute has been closed, the decisioncannot be appealed, the billing support phone line for citi bank is non-functional.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We want this taken off our account. The debt is really over. It was in 2016.We had a toilet that flooded in 2016, due to a bad flapper. This had caused the toilet to overflow and water all over the floor. We had been dealing with this toilet for many years. The management would not give us a new toilet, they would just continue to repair, even after asking for them to replace because of the bad flagger. They blame us and want to pay, and I would not because we did nothing wrong. It is time for this to come off. 

Thank you, XXXX XXXX and XXXX XXXX
Product: Mortgage

Dispute unauthorized inquiries Under the Fair Credit Reporting Act ( FCRA ), companies can only pull your credit report if they have a permissible purpose such as : Your explicit written consent ( e.g., for employment or rental purposes ). 
A credit application, account review, or debt collection. 
Pulling your credit report without your consent or a legitimate purpose is illegal. Violators may face fines, lawsuits, and damage
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX 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 alleged fraud or extortion. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan from XXXX XXXX in XXXX, GA is showing late payments when it's actually in forbearance. Besides, It has been discharged US Dept Of Education per evidence attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 6 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX  yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. 

Thank you
Product: Credit reporting or other personal consumer reports

I asked for account to be updated and report accurately.
Product: Student loan

I 've done everything I can to pay my student debts. I 've joined the military, but the benefits they offer do not extend to private loans. I 've payed off all of my federal loans now, but I still have trouble with the private loans. There are no options with them other than forbearance, which I am currently in.
Product: Debt collection

My daughter received a phone call XXXX XXXX and my daughter was very upset after a strange woman calls and asked for her dads address, where he works, phone number to be reached, her relationship to me. Completely unprofessional and disrespectful. I have also asked her NOT to call me and the very next day at XXXX she calls again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a credit inquiry in XX/XX/2018. I immediately attempted to dispute with the credit reporting agency. They determined this was a legitimate inquiry. I contacted XXXX XXXX to get this removed. I have been told multiple times by XXXX that the request has been submitted to the credit agency. The credit agency states they have not received anything and can not remove from my file. I have been fighting this since XX/XX/2018 and to date the inquiry still appears on my credit report. I have made several phone calls to both credit agency and creditor and I am not able to get this removed. I have filed a report with FTC and now I am here requesting assistance.This has affected my credit score and at no fault of my own. I will be purchasing a home in a few months so I need this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX XXXX XXXX XXXX please remove fraudulent unauthorized inquiry from my report or provide proof within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted AMEX credit bureau dispute regarding the reporting of my personal loan. They are reporting the account as a charge off although I am paying and always have been paying. On XX/XX/XXXX I entered into an agreement with AMEX to repay the loan on modified terms. They assured me that my credit would not suffer as a result. I was affected by the COVID pandemic. I pulled my XXXX credit reports and noticed that AMEX is reporting this account as a charge off. Yesterday, XX/XX/XXXX I contacted the credit dispute department of AMEX and I was told that since we agreed to a modification of the terms due to COVID that the account is being reported as a charge off. I have never in my life heard of such a thing. I was always making payments on the account but I was also told that when less than the minimum amount is paid, they are going to report as a charge off. My understanding and the law reflects that charge offs are when a business has been unable to collect a debt and subsequently writes it off as a loss. My account is still inside AMEX within their in house collection department. I never stopped paying on the account despite being affected by COVID. I have contacted an attorney and I am told we have a case but if I pay an attorney I will not pay AMEX. My credit score went from XXXX to XXXX. I need this account to be reported as a declared disaster due to the pandemic and making payments as required. This is NOT a charge off.
Product: Credit reporting or other personal consumer reports

I am disgusted that I must yet again contact you regarding your utter incompetence. This marks my twelve attempt to resolve the appalling issue of denied access to my own credit report by EQUIFAX. Despite my persistent efforts, your company continues to withhold vital information about my credit history. Enclosed are the documents proving my identity, which your negligent organization apparently can not manage to process. Your continued refusal to cooperate is beyond infuriating. I demand immediate action to rectify this intolerable situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from XXXX, because of the fraud that was committed in my name.