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

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Reappearing Inquiries on Credit Report I am writing to formally dispute the reappearance of certain inquiries on my credit report. On XX/XX/XXXX, these inquiries were deleted from my report, yet they have reappeared without any prior communication or explanation. 

The specific inquiries that have reappeared are as follows : - **XXXX XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX, XXXX, VA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX, FL XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX  XXXX XXXX, XXXX, MN XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX - **XXXX XXXX** - Inquired on XX/XX/XXXX - Business Type : Banks and S & Ls - XXXX XXXX XXXX, XXXX XXXX, IA XXXX - ( XXXX ) XXXX - Scheduled to continue on record until XX/XX/XXXX These inquiries were previously removed and their sudden reappearance has caused me concern, especially since I received no communication about this re-reporting. 

I request that you promptly investigate this matter and provide a detailed explanation for the reappearance of these inquiries. Additionally, I ask that these inquiries be permanently removed from my credit report to reflect the correct and updated information. 

Enclosed, please find copies of the documents that support my claim. I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copies of supporting documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a hard report was made to my account from Florida. I was living and working in Michigan at the time. My ex boyfriend, who is under investigation for other more sever crimes by the FBI, had stolen my Social Security card and my ID card before I ended up having to literally run away from him in Flordia just to remain alive.
Product: Credit reporting

Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Transunion reports incorrectly this account is 30 days late in XX/XX/XXXX for {$4900.00}. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

Logged into my online banking, but it say I am blocked by TD Bank external?
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the below charged-off accounts. Please send the 1099-C form. 

XXXX - Account number XXXX Amount {$2600.00} XXXX - Account number XXXX Amount {$4400.00}
Product: Credit card or prepaid card

1. When inquiring about credit card accounts under my name with Chase Bank, I would receive a response to my question, but with a totally different account number. I take this very seriously, because after pointing it out to Chase via phone, us mail and branch locations, I couldn't get a valid answer, then Chase blocked and closed my checking account. 
2. I was informed that a had a few Charged off accounts with Chase. Never was informed of it for years. After reviewing statements, I discovered accounts were paid in full before due date, interest fees were added, then a new card was issued to " prevent fraud ''. 
3. Why was I never notified by Chase Bank or sent a settlement check regarding past settlements, which I should have been included in? 
Example : 2009, Overdraft Protection Fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an envelope was mailed to Transunion via USPS tracking XXXX this was received by Transunion on XX/XX/2021. As of today XX/XX/2021 Transunion failed to respond at all let alone in the timeframe allowed. 
The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.
Product: Mortgage

WELL EVERY THAT WAS SAID TO ME FROM TRUIST, SAID NOTHING ABOUT WHERE MY PRINCIPAL PAYMENT HAVE BEEN GOING FROM XXXX TO THE PRESENT. I HAVE A CAR SINCE XXXX, AND ON THE LOAN STATEMENTS SHOW ME THAT I HAVE PAID {$3000.00} IN PRINCIPAL PAYMENTS OF THE LOAN. I JUST WANT TO SEE DOCUMENTS SAYING WHERE THE PRINCIPAL IS GOING. YOU WERE REAL FAST ABOUT SENDING ME A MODIFICATION,2 WEEKS AFTER I CAME OUT OF MY FORBEARANCE, AND GAVE ME 2 WEEKS TO SIGN IT FOR 30 MORE YEARS. THAT WAS A RED FLAG, 30 YEARS AND FOR {$240000.00} WITH NO PRINCIPAL EVER BEING PAID. IF I HAD GOT A MODIFICATION OF {$160000.00} AND THE VA ASSISTANCE WITH THE 1 % REFINANCING OF THE LATE PAYMENTS, I WOULD HAVE SIGNED THOSE DOCUMENTS CASED CLOSED. BUT YOU WANTED TO GIVE ME A LOAN TOWARDS THE LATE PAYMENTS WITH ALL OF THESE LATES, TAXES, AND CORPORATION FEES, FOR A BUSINESS VENTURE. THAT IS FOR YOUR RICH CLIENTS BUYING AND SELLING PROPERTY. AND WHEN MY LOAN WAS IN THE CRACKS OF YOUR SCAM YEAR BACK OF THE XXXX XXXX PAID OUT, IT SHOULD HAVE BEEN A TRUST FUND FOR YOUR CLIENT 'S LOANS THAT WERE IN THE MIX OF YOUR WRONGDOING AT THE TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Product: Credit reporting or other personal consumer reports

Im just trying to figure out why my medical debt is still on my credit report after the new law was passed for it to be removed
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 

DELETE THE ACCOUNTS BELOW TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I applied for credit was told by creditors that I had numerous collection items on my credit reports. As a follow up, I requested and received copies of my credit reports from the three main agencies ( XXXX, XXXX XXXX XXXX ). Once I received the reports I found listed on my credit reports was Kansas Counselors with numerous negative items. At no time did they notify me of these items to allow me the opportunity to resolve or dispute. Since I wasn't given that right, I sent the firm a letter ( by regular mail on XX/XX/XXXX ) and a second letter ( by certified mail on XX/XX/XXXX with a proof receipt ). In each case I asked for a response within 30 days and requested that they validate the debts or remove negative items from my credit reports. As of today I haven't heard from Kansas Counselors with an acknowledgement of my letters or an attempt from them to address my concerns. Therefore, I am requesting CFPB help me resolve this matter that is impacting my credit. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : DEPT OF ED/XXXX - XXXX XXXX - DEPT OF EDXXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 
15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.
Product: Mortgage

The mortgage company that currently holds my mortgage, SunTrust Mortgage , Inc. XXXX XXXX XXXX XXXX XXXX VA XXXX has not paid my county real estate tax bill that I received in XXXX. 
On XX/XX/XXXX I contacted via phone, SunTrust and told them I have received my tax bill from the XXXX County, Kentucky Sheriff. I spoke to XXXX in the tax department. I was told that they would receive the bill electronically and that it would be paid. On XXXX XXXX I received a Past Due notice from the sheriff 's office that the real estate taxes have not been paid. I contacted SunTrust and was told to fax them the real estate bill and that it would take 14 business days to process. On XXXX XXXX I called the county sheriff to ask if the bill had been paid. I was told no. I ask who do I contact to get the bill paid, I was told to contact the closing law office. I called the closing law office immediately and was told by them to contact the mortgage company. I was also told that I am not responsible for any fines and/or penalties for the late payment of the tax bill. On XXXX XXXX I spoke with XXXX in the Tax department at SunTrust. He said the it would take XXXX48 hours for them to research the the account and tax bill and then they would be able to pay the bill. He also said that I did not have to fax the bill because they already have received it.On XXXX XXXX I called the sheriff again and was told the bill has not been paid. I then called SunTrust on XXXX XXXX and asked the status of this tax bill payment. I was told by XXXX in the tax department that they are still researching it because no notes have been posted to my account. 
The mortgage company SunTrust have been notified since XXXX XXXX of the receipt of the tax bill and that they are contractually required to pay the bill upon receipt. There was and still is money in the escrow account that was established when the mortgage was originated. Monies were put into the account at the closing, 8 months of tax payments, and 3 months of homeowners insurance. they have also received 6 months of mortgage payments with the escrow amounts included. 
My complaint is the SunTrust Mortgage Company has failed to fulfill the contractual obligations established in the original mortgage contract and upon me inquiring numerous times why this bill was not paid in a timely manner was not given a direct answer and upon them receiving notification from me of the delinquency of their paying the account still have not paid it. This effects me by 1 ) having a past due tax bill which could allow for a lien to be put on my house and possible foreclosure action started and 2 ) by not paying the tax bill on time I am not able to deduct it from my XX/XX/XXXX federal and state individual tax return which will make me have a higher tax liability because the tax was not paid in XX/XX/XXXX. I have not been able to calculate the actual amount as I am still awaiting my XXXX to complete my federal and state tax returns and 3 ) I do not know if this is something that could affect my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my TRANSUNION consumer report because the negative items listed have been updated due to the CFPB Breach. This violates 15 US Code 1681aia. / 15 US Code 1666b Dispute 1 : LATE PAYMENTS Account Number XXXX : XXXX XXXX Type of disputed information : XXXX XXXX Dates associated with the late payment items being disputed : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The status of my account is incorrect. The report shows that I am delinquent but I have made all my payments on time. Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated XXXX XXXX. I have requested a payment ledger and have not received it. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is removing a XXXXXXXX  XXXX account off my report that was never disputed they also removed a self lender account of my report that was never disputed they keep fraudulently disputing things that I never disputed with them.
Product: Debt collection

XX/XX/20 I received a call from your XXXX XXXX XXXX, a debt collector. XXXX stated it is a XXXX XXXX XXXX account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact Comenity Bank. 
The same day, I contacted Comenity bank and sent them a letter and to this date, have not heard back. 
XXXX, I received another call from XXXX, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at XXXX. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.
Product: Mortgage

EPM mortgages has intentionally made every effort to sabotage my ability to refinance my mortgage with another lender and due to EPM actions it has force me into applying with them for an request for 6 months forbearance. ( Submitted XX/XX/2023 ). 

In fact, I've filled several prior complaints against the company ( EPM ) with the cfpb and since each submissions for unlawful financial practices, each time EPM has responded with weak comments of their assistance process that is never rendered.

This company has conducted falsely delaying practices.

And due to my complaints to cfpb against EPM in retaliation they contacted me today XX/XX/2023, by EPM 's rep. advising me that my assistance was denied!

It's more than evident that EPM wasn't and never were in the business of providing any assistance to their customers. Thank you.
Product: Mortgage

I have been calling trying to fix this problem since late XXXX to no avail. They didn't offer us any solutions, was kept on hold for hours sometimes all day only to talk to a different person who had no idea and usually where very unprofessional and rude. No one told us we could ask for assistance under the cares act or that we had options they just sent back a payment to XXXX XXXX who is not on the loan nor is she an authorized user. They sent that payment to XXXX my estranged husband in XXXX yet claim they do not believe he isn't at the home address which is in XXXX ( he never lived here ) They finally agreed to ask for a modification package after I requested assistance under the cares act for over a month. They should have put a hold on the foreclosure at that point but didn't XXXX continued to dual track and still are. They have requested more than 200 documents that we have paid for software to send and ultimately paid to fax in because after 5 times of email specialized pdf files they claim there are still documents missing or in the wrong format. XXXX would expect that if a document is missing or in the wrong format that someone would contact you to let you know. They did not! I have called in almost daily while working a full time job and raising boys this company has been so difficult and unforthcoming withholding information that we didn't even find out about the foreclosure until a notice of default was posted on our door! They asked for the title deed that has my name on it saying they would do a successor in interest, they then claim they can not do that because XXXX ad I aren't legally divorced. Fine so now they have asked for our marriage license and a hand written document adding, me to the interest in the property which I already had in the form of the title deed! They asked for that document in XXXX, which we provided in multiple formats they then said that they would not put the foreclosure on hold until after the underwriter review ( dual tracking ) this is now 3 times we have been told they will find all of the programs we qualify for and will do 1 of them as it is a law under the cares act and yet there is no hold on the foreclosure the underwriters are still not reviewing anything they are still dual tracking and are trying to auction off our home that we have been trying unsuccessfully to make a payment on because they won't take a payment of any kind they have blocked access to the website and app. they have no answers and apparently none of the call center workers understand the law, or the cares act or the updated cares act passed in XXXX as they have all told me I am wrong and that I do not have any rights or knowledge about the cares act, however the attorney we are attempting to hire seems to think I do know what I am asking for. by the time he can get it into court however they will have taken our home in the middle of the XXXX  in Alaska at that
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}