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

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against TransUnion, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as TransUnion 's, inaction violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I received what looks like a new debit card from a company called netspend. I have no need for this type of card, and I worry that they have opened an account in my name without my consent.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this Information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following XXXX XXXXXXXX XXXX  acct # XXXX XX/XX/year>, $ XXXX XXXX acct XXXX XXXX XX/XX/year>, {$17000.00}
Product: Credit reporting or other personal consumer reports

I have provided a FTC Fraud affidavit to XXXX XXXX multiple time. They failed and did not investigate. Additionally they have refused to provide me with additional required documents to prove fraud. XXXX XXXX is now threatening me. This is harassment. Ive attempted to work with them to prove this is not mine. My name is NOT XXXX XXXX. XXXX XXXX Failed to provide Validation and properly investigate. This is dismissive and misleading. 

By law, 15 USC 1681i I am requesting a re-investigation Additionally Law 18 USC 1028A
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached.
Product: Credit reporting or other personal consumer reports

There were some inquiries on my credit report. I sent out debt validation letters and disputes but still havent got a response.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am following up to address the ongoing issue of fraudulent items on my credit reports. Despite my previous efforts and providing substantial evidence to support my claim, these fraudulent items continue to appear on my credit report. This persistent issue not only undermines my financial credibility but also calls into question the integrity of the credit reporting system. I request a thorough investigation into these fraudulent items and immediate action to remove them from my credit report. Accurate and fair reporting is essential to maintaining the integrity of the credit reporting system. Therefore, I seek your assistance in removing these fraudulent items from my credit file : 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 XXXXTransUnion 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: Mortgage

I have had the mortgage on my home for 18+ years. My mortgage was sold to SPS with a balance of {$80000.00} and still owe {$77000.00} and have no equity in my home. When I contacted SPS servicing, they didn't understand what my concern was and were of no help. 

I am a XXXX XXXX XXXX female that is XXXX American and I feel that my mortgage company is taking advantage of me because of my race and my age. 

There is no way that I am paying on a Mortgage for as long as I have and only have {$2000.00} in equity. When I did speak to someone at SPS, they told me my mortgage would be paid off in the year XXXX. How is this even possible when I only did a 30 year mortgage in XXXX??? 

I need someone to assist in finding out what this company is doing with my money every month
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Received letter from XXXX  Civil Court of XXXX XXXX XXXXXXXX, XXXX XXXX postmarked XX/XX/2020 notifying me that Midland Credit Management INC was suing me Index No XXXX without notification from the collection agency or without any attempts to be served. 

Amount due according to the court is {$1400.00}. 

I have also sent a letter outlining that I am disputing the debt as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

XXXX XXXX I received a letter from ; XXXX XXXX Employee for Bank of America for my correspondence and documents needed to process my loan modification application. The letter also stated if you do not contact us within 15 days from the date of this letter XXXX XXXX. 2015 your case will be closed and your home loan will return to normal servicing. Note : XXXX XXXX on about XXXX My husband XXXX XXXX called:XXXX Requested to speak with XXXX XXXX in reference Loan XXXX He was denied to speak with XXXX XXXX XXXX by B.O.A. Home Loan Team Texas Office Employee XXXX XXXX concerns surrounding the process of speaking with XXXX submitting documents several times with no correspondence from XXXX regarding the Loan.Employee XXXX XXXX stated she would have XXXX XXXX XXXX call at XXXX XXXX. Note XXXX XXXX never called XXXX at XXXX as stated.
Product: Debt collection

XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ga XXXX has been reporting to XXXX XXXX, XXXX, and XXXX a debt of {$9900.00} for a XXXX XXXX XXXX XXXX XXXX Apts. 

The reports I have claim that the account was opened XX/XX/XXXX. 

I have however, never lived in XXXX, Ga nor rented any sort of apartment. 

I have made attempts to leave messages with the apartment complex, but have received no response back by a manager. 

Additionally, on XX/XX/XXXX, I have sent the attached documents, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating their claim is disputed and validation is requested. 

As of XX/XX/XXXX, I have received no response nor correspondence from this company. However, they continue to report this negative debt on my credit reports falsely.
Product: Credit reporting

I received a copy of my credit report today from my bank in relation to a car loan application. The credit report showed a tax lien on it. I completely paid off that tax lien over 12 months ago. I contacted XXXX, Epererian, and XXXX and all of them said that the tax lien still shows on their records. All three were helpful and courteous. I called the Idaho Secretary of State and informed them that the XXXX credit rating companies stated that the XXXX has to send each of them the information that the lien has been settled and paid. The Idaho XXXX office said that that statement is not true, and that the XXXX credit agencies are required to update their files by contacting the XXXX office periodically. So here I am caught in the middle of the credit agencies and the Idaho XXXX XXXX XXXX saying that it 's neither of their responsibility to make sure that my credit report and scores are up to date, in this case, that my credit reports issued by XXXX XXXX and Experian no longer show the tax lien. So this is a complaint against all XXXX credit bureaus in that they are not regularly updating their systems to show that things such as tax liens are not removed from their computer systems so that the credit reports they issue to financial institutions show that I no longer have a tax lien. If the XXXX credit agencies are not required by law to periodically update and ensure that their reporting records are accurate and up to date, then a law needs to be passed that requires them to do so. This is outrageous that a consumer who meets their obligations with respect to paying off their liens or other debts have to go through the endless efforts of contacting each of the XXXX credit reporting agencies and file a complaint so that they remove those liens/debts from their records. Thank you in advance for taking the time to address my complaint. 
XXXX XXXX
Product: Debt collection

This company calls 4-7 times a day from different numbers. They also withdrew money from my checking account that was unauthorized and I had to dispute with my bank. The debt is mine and I owe it, but I should n't be subject to repeated phone calls and unauthorized drafts.
Product: Credit card or prepaid card

Actually, numerous issues, but I'll combine them into this one complaint for now. Signed up for the Citibank XXXX XXXX XXXX credit card on XX/XX/2021 after several days seeing adds for {$50.00} reward plus {$5.00} per {$100.00} spent with new card enrollment, and made a purchase that day. The {$50.00} special award disappeared, no sign of it anywhere, and whenever I was able to get a live person, I just got a confused response as if they'd never heard of this {$50.00} bonus offer. 

Have been unsuccessful on numerous occasions getting anyone by phone or any true responses via secure email. IF their site recognizes your credentials, about 50 % rate, your secure emails requesting only general information on the whether the {$5.00} reward per {$100.00} spent was legit, and how it worked are met with refusal to put anything in writing and insistence to call them, at XXXX. This puts you into an automated system that keeps going around in circles getting your account credentials and social security number in spoken or touchtone, but never passing you to a person. 

I've requested they close the account since they obviously DO NOT honor either the {$50.00} special award, or {$5.00} per {$100.00} spent. I will NOT use Citibank nor XXXX XXXX XXXX again, and think they need to be stopped! Anyone thinking of doing business with either XXXX XXXX XXXX or Citibank needs to know they are fraudsters who DO NOT HONOR REWARDS OFFERS, and don't put terms in writing.
Product: Debt collection

I received a collection letter from BYL Collection Service. It is for a gas company I do not owe money to. The name of the Gas Company is for XXXX XXXX XXXX. I am currently subscribed to the Said company but I am current with my account. The account number listed on the collection letter does not match to my gas account number. I have sent them a letter demanding proof for the time being.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from MODEL FINANCE COMPANY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against MODEL FINANCE COMPANY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that the XXXX  XXXX does not associate with any creditors or inform them of any information regarding consumer reports. 
Therefore, the information being reported is incorrect and should be removed trom my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that l believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous : ( XXXX XXXX XXXX ) This is destroying my credit eligibility to get funding & damaging my lifestyle if nothing is done, ill be taking this to court
Product: Credit reporting, credit repair services, or other personal consumer reports

the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.
Product: Credit card or prepaid card

RE : VISA : Southwest Rapid Reward credit card. Charge Date : XX/XX/2020 {$1200.00}. 

The credit card company did not respond to my secure on-line messages about complaint re : charges. During the start of Pandemic era in XX/XX/2020, it was not practically possible to reach the credit card 's customer service by phone due to prolonged delay in getting phone answered. When I was able to reach them after a few weeks, credit card company told me to raise the issue with the companies who charged my credit card. The said companies were not co-operative and dragged matters. 

When my efforts with the charging companies failed, I requested the credit card company to retract the payment in my favor and resolve the dispute. The credit card company failed to do anything, and delayed all matters. AND did nothing to resolve the dispute.
Product: Credit card or prepaid card

Payroll Card issued from Comdata. I have over {$3000.00} of charges made at XXXX and XXXX and all were unauthorized. I Contacted Comdata and they have refused to provide me the details of the individual charges and will not mark these charges as fraudulent. 
Because the have not provided me the details I can not file a Police report with the specfic dates and amounts charged on the card. I spoke with them on XX/XX/XXXX and attempted to file a claim with Comdata. They have declined my request for a claim and have not been able to answer how a card can be used without Pin number being used at check out. 
I was i possession of my payroll card all the time. How can someone got to XXXX and XXXX make purchased without my card being used. I believe possibly ATM machine use compromised my Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to protect myself by accessing my credit report and Transunion keeps blocking this from happening. They block my credit monitoring from getting a new report and they block my every attempt through XXXX.All I wanted is to get this fixed. I wanted to know anything about my credit score and Transunion making it hard for me to get access to my credit report or credit score. 
Transunion has the wrong information on file and if this is not fixed then I will seek help from an attorney within 30 days. I attached the screenshot of the errors I encounter whenever I am trying to access my credit report. This has been going on for 3 months and I am frustrated. I want a new credit report mailed to me and I want this problem resolved right away.
Product: Credit reporting or other personal consumer reports

Equifax is not reporting my real credit score correctly from what the other credit companies are reporting. 

The company XXXX XXXX is reporting that Equifax is reporting with them that my credit score is XXXX. 
But Equifax is reporting on their website that my credit score is XXXX. 

Equifax continue to damage my credit history and score causing me hardship from getting loans, credit.
Product: Mortgage

I am the daughter of XXXX XXXX and have power of attorney. My mother with my assistance are in the process of obtaining a loan modification. We started this process in XXXX of 2016. The decision to modify was due to our discovery of an exhorbitant interest hike for an interest only first mortgage which is now nearly 7 % as well her dwindling of assets due to these terms. Frankly the loan terms reflect a predatory abuse of a XXXX. It was n't until recent review that we discovered a high interest interest only mortgage. Thus far the modification process with Select Portfolio Portfolio Servicing Inc. as been painfully redundant in document production. Nearly every document has had to be re emailed to them despite confirmation of receipt in good order They also have asked for us to restate income from investments to a category known as " other '' rather than " wages '' which yielded the same gross income. This red lining against this XXXX systematically is depleting her assets and creating a default. Her simple objective is to preserve her home and reduce the interest rate to 2 to 3 % with a principal amortization of XXXX yrs which is something more typical of those yielded in the modification market.