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

On XXXX I reviewed my credit report and I noticed that despite my ongoing efforts and several certified submitted disputes that the credit bureaus Transunion and XXXX has XXXX disregarded my disputes and failed to properly investigate which would have governed them to fix the issues as well they never notified me. Transunion and XXXX has violated my consumer rights and the following FCRA provisions. 15USC 1681 ( a ), 15USC 1681a ( 6 ) ( B ), 15USC 1681b ( 5 ) .Attached you will see the credit report that was sent to support my dispute and the items errors were highlighted and to no avail they still failed to comply with my request for removal. I feel that this has been intentional and has caused me significant hardship financially and emotionally and constitutes non compliance with federal law. Im seeking monetary compensation of {$1000.00} per violation accordance with my rights under the FCRA for their extreme negligence in investigating theses disputes in regards to my consumer report which reflects inaccurate /wrong Personal information, accounts and the reinsertion of previously removed information. Also note that I have all receipts for each certified letter that has been sent dating back over a year ago and will submit them in legal proceedings.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I resubmitted my request for mortgage assistance 37 days prior to the foreclosure date set for XX/XX/2019. I've tried to get help with my mortgage several times since I was XXXX XXXX. I don't want to lose my home to foreclosure. My documents were sent to the servicer in plenty of time to be reviewed. I was told today they would not be reviewed because they did not receive them in time. Select Port Folio allowed my documents not to be processed so they could foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting three medical collection accounts from XXXX XXXX XXXX XXXX on.my credit report. I have disputed these medical collections as they are not mine. the company refuses to verify details of the medical services provided because they are not mine. XXXX  and XXXX  both investigated and removed the erroneous medical collection accounts from my credit reports. Experian refuses to remove the accounts or provide information regarding the medical services or evidence of ownership. i have no documentation or evidence as they are not mine.
Product: Credit reporting

I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
Product: Credit card

Take a look at the documents attached. I request the bureau to commence an investigation into these accounts, as I am consistently punctual, but they are inaccurately reporting me as late.
Product: Credit card or prepaid card

I opened this card XX/XX/XXXX to take advantage of a XXXX XXXX  balance transfer option. I tried to do that last week, but it was " not a valid option ''. I called customer service and was told it would take XXXX  days on new accounts and that I would be able to do that today ( XX/XX/XXXX ). I tried again today, same response. I called twice today and spoke with XXXX different supervisors ( XXXX and XXXX XXXX and was told it was. " a known issue '' on their end and that they could not tell me when, or if, it would be resolved. I asked if it was a computer system problem and was told repeatedly that it was a " known issue ''. I asked what they had in place to ensure my complaint was specifically initiated for my account and was told, " it was submitted ". I was told there is no email for customers to inquire and that they " work at home '' and can't email customers with updates. It is extremely frustrating not to be able to follow up. I opened this card for the sole purpose of taking advantage if the XXXX XXXX balance transfer feature. All I get from the supervisors is that this is a " known issue '' that they are updated on and that I have no recourse to speak to anyone else. I hope you can provide some assistance.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 Bum. 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 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 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 XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

I received a Notice of Escrow Shortage Letter from US Bank dated XXXXXXXXthe amount of {$700.00}. I called US Bank Home Mortgage talked to a XXXX I explainedwhy I was calling and asked why there was a shortage since I sent a {$970.00} to them in XX/XX/XXXX, he said it was applied on XX/XX/XXXX, but not all to the escrow account. I said fix it, so he opened a Work Order on XX/XX/XXXX and said disregard the Notice. I called US Bank on XX/XX/XXXX to make sure it was taken care of, I talked to a XXXX who put XXXX on the phone and she tells me if they reverse it I would have to re-done my taxes, so I said ok I 'll do that reverse it, after being on hold for a very long time for the second time, XXXX tells me she does n't know if the US Bank will do that, I ask to talk to the department that handles this and she says they do n't take incoming calls, that I would have to write a letter to US Bank Home Mortgage at XXXX XXXX, XXXX, MInn. XXXX to see if they will reverse this. I asked when was the work order cancelled and when was I going to be notified? she said it was cancelled today and she did n't know when I would have been notified since I had the notice letter which I was told to dis-regard! 
See attached Letter and conversation notes and check stub
Product: Mortgage

My mortgage payment was reported late after it was transferred to another lender. According to the Real Estate Settlement Procedures Act ( RESPA ) there is a grace period after a transfer to a new servicer. My payments were incorrectly reported as late to the credit bureaus. I contacted Planet Home Lending via phone call on XX/XX/year>. They notified me they were aware they were in violation of Real Estate Settlement Procedures Act ( RESPA ) and stated they would send a correction letter by XX/XX/year>. I never received the letter. The account still shows as late on my credit reports.
Product: Credit reporting

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/2011. I have never been to XXXX County. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After researching, I found under the XXXXair Reporting Act ; everything must be 100 percent accurate on my credit report. Upon requesting that Experian verify and correct my credit report, I found inaccuracies from the re-investigation relative to the XXXX XXXX  account. The date of the Last Activity and the Date Reported is inaccurate. 

The inaccuracies reported are grounds for the removal of this account. The credit bureaus have violated my rights numerous times. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

According to 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

XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX  and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to XXXX. XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with XXXX XXXX, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX and XXXX. XXXX  XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with XXXX XXXX XXXX to further injure my consumer profile. I have never done any business with XXXX not XXXX XXXX XXXX. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had 6 emails from this company ( XXXX ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( Transunion through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I requested experian to provide with me proof of contacting XXXX XXXX and provide me with the information the actual paperwork that the company used to verify and validate the fraudulent XXXX  they are reporting against my with XXXX XXXX  which is unverified and not valid. I am Victim of identity theft and someone has been impersonating to be me. Filing information in my name and opening accounts. I have notified Experian XXXX XXXX and all credit bureaus and credit card companies.
Product: Debt collection

LVNV FUNDING LLC Has refused to removed Debt that was already removed from all XXXX, XXXX and XXXX. When contacted about error they attempted to manipulate over the phone by saying you must validate debt to get more information. I win not be validating a debt that isnt mine and has already been removed from all other reporting agencies. LVNV FUNDING LLC Has refused to remove file from XXXX XXXX and has continued to report negative marks even while disputing. LVNV FUNDING LLC Has ignored all disputes and has consistently reported incorrect information
Product: Checking or savings account

On XX/XX/year> I received a letter from my bank notifying me that a check was made into my account for XXXX I knew I didn't have this much money nor was I expecting such funds so I immediately contacted my pnc bank who told me someone would call me in a day or 2. Since no one calls me by morning of Monday XXXX I call and after being transferred to several departments and placed on hold for quite some time I am informed that due to the check I now have a closed account at pnc and there is nothing I can do. No one seemed to know the reason or why I was not contacted to resolve this issue. I have my irs tax refund coming into this checking account and now have to make ammendments with the irs which will take months to fix. I understand I don't have lots of money but I have always kept a good balance at pnc paying overdraft fees etc and I feel they have wronged by closing my account. They have left me with no remedy and did so with no remorse. Today XXXX a woman called me just to confirm everything that happened but had no solution to my problem that check is coming and will now be returned. Beware pnc users.
Product: Debt collection

I do not owe these people anything. They are fraudulently trying to collect debt that I do not owe. This not mine and it needs to be removed immediately. I paid this lady before I left her XXXX office. You cant even leave her office without paying. So how In the XXXX is she trying to collect money from me now.
Product: Vehicle loan or lease

Wells Fargo repossessed my XXXX XXXX XXXX  after payment to make account current was made. I was held responsible for loan payments after repossession was made. This negatively impacted my credit as well as cost me me thousands. Not to mention the major inconvenience. I understand my payment was late but it was made before repossession was to happen. 

Almost a decade later I received a check from Wells Fargo Auto for {$180.00} due to over payment. I spent thousands on the car they took back within 6 months of having it. 

I also received a separate check from Wells Fargo Bank for my account they admitted to wrongful actions for {$150.00}. I never cashed or deposited that check and was a completely separate incident from the auto loan. 

I wasn't the perfect customer and admit I was late on payments. But payments and over drafts were settled. Now after a decade they admit to wrong doing and they send me checks for enough groceries to last a week, when they robbed me for thousands of dollars. 

My issue is because this happened so long ago, I don't have any paper work or account log ins from the incidents. Wells Fargo obviously has admitted to wrongful practices against me twice, having sent XXXX separate checks and letters of apology for their actions. 

I hope further compensation will be provided as I was absolutely cheated then, and feel insulted by their weak attempt to make things right.
Product: Consumer Loan

Hyundai Theft of {$370.00} Hyundai Acct # XXXX Tell my Story First, I am a XXXX on a SSA small fixed income that gets to me on the first week of each month on a date from XXXX to the XXXX. My XXXX XXXX was picked up/delivered on XXXX XXXX but Hyundai required my lease date to be back to a XXXX due date for payments, not for when I started or made my first payments on this car. For about 1 1/2 years Hyundai Motor Finance harassed me routinely that by mail my payments were getting to them beyond their purposely shortened due date and grace period which was unchangeable on the XXXX of each month. This then caused me to mail checks to them early than the XXXX and without coverage money in the bank. They seemed to say pay on time or they would hurt my very good credit rating. So I wrote checks to them BEFORE the money was in my checking account. 

I constantly requested to them by mail to consider a longer GRACE period for me extending the due date in their programming that was causing all this harassment. They did nothing but harass me more. NOW in XXXX I saved enough money to make my {$180.00} monthly payments fully funded, early and get there faster thru banking AUTOMATIC payments that according to XXXX XXXX took only XXXXXXXX days to get to Hyundai in Texas. So if I could determine how long this would take automatically so it got there by any months XXXX date. I would go automatically by computer transfer. 

Because of Hyundai continuous harassment up to this automatic change I had to change the send date 3 times before anything was suppose to happen. Instead it ( XXXX ) was factually sent 3 times to Hyundai on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX ( bank records are available ) or 3 times XXXX. It should be obvious to anyone that only XXXX {$180.00} would pay my each month payments but not Hyundai they now claim they felt these XXXX close date payments by me was wanted for advance payment ( that is the thinking of pure incompetence ) so they rolled this in to the months lease payment rather than questioning me or mailing it back to me. STEALING was a lot easier to do and then to continue their harassment of my fixed government income. They now totally REFUSE to pay back this stolen {$370.00}
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.