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

For the past few weeks I have been unable to get my Transunion consumer report from annual credit report website where I am allowed to get my free consumer report once a week. I enter my information and I keep getting a message saying Transunion is unable to verify my identity. I have been pulling my Transunion consumer reports weekly for the past 3 years and I have never had an issue with my identity being verified. Last month I sent a dispute letter to Transunion which included my government ID and a utility bill which verifies my address. Several times I have called Transunion and they verify that the information they have on file is the same information I am inputting into the annual credit report website when I try to get my consumer report. I have spoken to several reps who have stated that Transunion has nothing to do with annual credit report website which is not true and they also said that I am only allowed to get one free report from annual credit report per year which is also not true. I need this issue to be fixed ASAP. I submitted a complaint about this same issue on XX/XX/2024. On XX/XX/XXXX the company responded and said the reason I could not pull my report was due to a system issue and that the problem was resolved. However, as of XX/XX/2024 I am still unable to pull my Transunion report from annual credit report.com. I am still getting the same message that My identity is unable to be verified. This has been a very frustrating situation and all I want is for Transunion to actually look into this issue and actually fix this this issue so I can pull my Transunion credit report as is my right. I have no issues pulling my XXXX or XXXX reports from annual credit reports website so clearly there is an issue specifically with Transunion. I need this issue to be fixed ASAP. I dont want to have to get one mailed to me. I want to simply be able to go to annual credit reports website and pull my Transunion report. There is absolutely no reason why they cant verify my identity. This seems to be intentional at this point. I sent in the necessary documentation for them to easily verify my identity. I need this issue fixed ASAP. I have attached a screenshot of the message I continually receive when I attempt to get my consumer report. I dont want to have to get one mailed to me. I want to simply be able to go to annual credit reports website and pull my Transunion report. There is absolutely no reason why they cant verify my identity. This seems to be intentional at this point. I sent in the necessary documentation for them to easily verify my identity. I need this issue fixed ASAP. I have attached a screenshot of the message I continually receive when I attempt to get my consumer report.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX for a real estate rental, XXXX XXXX, my bank did not warn me of or provide me with fraud protection. The money was transferred into a bogus account set up by a hacked email
Product: Vehicle loan or lease

Our country is still suffering from a NATIONAL pandemic with the Coronavirus. We live in XXXX and are a family of XXXX, our XXXX growing kids,XXXX and XXXX. My husband lost his job during the pandemic. He was owed back unemployment wages that he is still trying to collect. He recently just lost the supplemental assistance PUA as well. I am a XXXX XXXX XXXX who is now the sole contributor to all our expenses and livelihood.When the virus struck, many companies proactively reached out to consumers to let them know that they would be forgiven for late payments or given extra time to pay without consequences. Not Westlake Financial. This company continued to call and harass us during  this very distressing time. We made arrangements to pay when we could, but we were treated so poorly and shamed about even having to ask!! There were times when we were called and bothered no less than 5 times a day. While people were dying daily by the hundreds in XXXX. This type of behavior is despicable. Our mayor and governor have halted rent and mortgage payments so people have a chance to recover. Not Westlake, who once again after the time that they first granted us an extension, immediately started calling with the harassing calls daily. Also, my husband was berated by the " customer service '' reps that he always had to request to speak with someone else.Last week, our refrigerator broke after a storm in our area took out our power. My husband drove to XXXX XXXX to try to buy a part so we would not have to purchase a new one. While he was in the store, our car was REPOSSESSED by Westlake. Without notice! We were 2 payments behind. For this company, that is not much, but for us it is huge. To think at this time that they would repossess a car after only 2 months is shameful. Not only did this happen, but the way my husband was spoken to on the phone was embarrassing. As if we were XXXX trying to evade payment. We borrowed the money to get our car back because we do need our car as there were NO other options presented by the company. We asked for a payment plan, more smaller payments, etc. We have always stayed in contact with them during this time to let them know of our situation, but it has always fallen on deaf ears. We were given an extension but we were made very sure that our contract would be going longer.I can not understand how a company that serves the public can operate with so little compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the handling of my credit report by the credit bureaus. Despite their assertions of conducting a thorough investigation into reported inaccuracies, it has come to my attention that such investigation was not carried out effectively. 

Upon thorough review and investigation of the supporting documents provided, including an identity theft report and attached police report, it has become evident that certain accounts have been inaccurately attributed to me. As per my rights under the law, specifically XXXX XXXX XXXX XXXX A, I request immediate action to rectify this situation. This law also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts, which I believe to be the result of identity theft, must be promptly removed from my credit report : XXXX. XXXX XXXX - Account ending in XXXX XXXX. XXXX XXXX XXXX. XXXX - Accounts ending in XXXX and XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. Possible Financial I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus conduct a thorough and proper investigation in line with the law. Your prompt attention to this issue and assistance in resolving it would be greatly appreciated. 

Thank you for your time and assistance in this matter.
Product: Student loan

XXXX XXXX XXXXXXXX XXXX intuition in XXXX XXXX flordia approved a loan application with me as a primary student. I have not attend this school. I have contacted the school along with navient. I have produced documentary to show this error however I cant get this resolved. I need to be removed from the student loan obligation.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PORTFOLIO RECOVERY would verify the debt. So I took it upon myself to ask PORTFOLIO RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

There is an account through AFNI which is unknown to me, requested validation and nothing has been sent.
Product: Debt collection

Convergent Outsourcing listed an account on my credit report that has been paid in full. I disputed the account with XXXX  and XXXX months ago. I received a letter dated XX/XX/2018 from Convergent stating that they are no longer furnishing the account and that if it is listed on my credit report, they are going to send an request to have it removed. It is still listed on both credit reports. I sent evidence to XXXX  of the letter that Convergent sent me. They informed me that when they try investigate the matter, Convergent is informing them not to remove it from my credit report. There is conflicting information as to what Convergent is telling the credit bureaus to what they sent me in the mail. I would like the account removed from both XXXX  and XXXX.
Product: Debt collection

I have some collections on my report from Portfolio Recovery. I sent them a validation of debt letter because this is something I need to be verified as the amounts do not sound correct. All they sent me was a credit card statement from the original creditor. As I am looking over the statements the amounts that they are saying I owe on my report are not accurate compared to the statements they have mailed to me. I disputed with all 3 bureaus I did do this online without knowing I should do this with a mailed letter. I asked the bureaus to do an independent investigation rather than taking their word for it. The bureaus did just that and took their word. I am trying to buy a home and this is damaging my credit report. I understand the collection agencies are to report information exactly how the original creditor provides to them. Not add a few cents on the dollar to collect from me. The bureaus claim its accurate and said it is updated when in fact it is not updated. The same info appears and all they did was update the Date of last activity on 2 of the 3 bureaus. I am asking this to be investigated thoroughly since the bureaus wont do it. I want this information deleted from my reports because the info they are provided is not true and accurate. Reporting past due balances on some of the collection accounts the account is past due by default. Reporting payment history after the close date. These are all things that should not be happening. I can not get the bureaus to do a thorough investigation so I am asking you to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my XXXX for an Explorer. XXXX bank gave incorrect payout information to XXXX XXXX for the XXXX, then expected me to pay the $ XXXX that they made the mistake on. I refused because it was their mistake. I stated that I would just do a reversal and take my XXXX back. They ( XXXX ) drug their feet and attempted accepted no blame for their CLEAR mistake. XXXX XXXX ended up eating the $ XXXX mistake they made and I kept the XXXX. That was NOT my fault there for not a late payment on my part. This needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

car was reposssed back in 2018 as I called and asked for the vehicle to be picked up, car was picked up and sold through auction i received a letter stating I still owed a balance of i think XXXX for the XXXX XXXX. So then it was charged off and closed but still reporting late and interest still accruing, balance then went to XXXX as being owed and was never updated or corrected and now the company is trying to sue me for the unjust amount that is not even correct and has messed up my credit report with still reporting late or no payments on a charged off/ closed account
Product: Student loan

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I also tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX-Balance $ XXXXDate Opened : XXXXHigh Credit : {$4000.00} XXXX-Balance $ XXXX Opened : XXXXHigh Credit : {$2600.00}
Product: Credit card or prepaid card

On X/XX/16 went to XXXX XXXX for missing engine and motor trouble. They .Installed broken spark plug and misgapped the other plugs according to another garage, Failing service with XXXX I advised XXXX NOT to pay the charge of {$440.00}. XXXX has neglected to respond to my request for refund and chargeback, Received several phone calls from XXXX customer service employees XXXX and XXXX XXXX. They were to investigate. Somehow XXXX discovered that I had additional expense of $ XXXX.and sent me a check for same. I told XXXX about this as it proves guilt and liability.
Product: Debt collection

I 'm writing to report questionable activity of XXXX companies attempting to collect a debt from me that is not mine and I did not incur. 

The XXXX agencies are ( 1 ) Bank of America, the original debtor, ( 2 ) XXXX , XXXX, the junk-debt buyer, and ( 3 ) the XXXX XXXX XXXX, XXXX, who is attempting to collect on behalf of XXXX , XXXX. 

I received written correspondence from XXXX XX/XX/XXXX, claiming I owed {$78000.00}, with no reference as to what it was for. I understand upon initial written contact, the debt collector must provide me with certain information, including an itemized account claiming to be owed in connection with the debt including loan principal, interest, and all fees. Additionally, they are to provide me with the debtors name and last known address. On my own, I discovered they were attempting to collect a debt incurred by a business line of credit through Bank of America. Incidentally, I was terminated from that business XX/XX/XXXX. The XXXX XXXX XXXX, XXXX, failed to provide me with the above information. 

I sent a dispute letter to the XXXX XXXX of XXXX XXXX ( return receipt ) well within the XXXX day time period. They have yet to respond, which I know they are n't obligated to do. However, I received a letter from Bank of America on XX/XX/XXXX, also asking me to contact them regarding this alleged debt that THEY claim is for a mortgage loan. The convolution, ambiguity and confusion as to who actually owns this debt, and that no one can tell me exactly what it 's for, is of huge concern to me, and something I wanted to let you be aware of. 

Considering the above, I wish to inform you again that I was terminated from the company XX/XX/XXXX, also released from all current and future liability and obligations arising from the operation of that company, known or later discovered. My ex-husband was awarded the company as his sole and separate property in the Settlement Agreement. He warranted to me there was NO unsecured community debt, which means this line of credit was at a zero balance at the time I was severed from the company in XX/XX/XXXX. Any and all company debt incurred after XX/XX/XXXX, is the sole responsibility of my ex-husband and his company wherein he is 100 % owner. Of course my Marital Settlement Agreement is legally binding and has the full force and effect of a court order. 
Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information and under the FCRA ( Fair Credit Reporting Act ) you are committing a federal crime. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, We ( spouse ) purchased a vehicle from XXXX XXXX XXXX in XXXX, OH. It was financed through PRESTIGE FINANCIAL SERVICES.I paid my loan relatively consistently until early XXXX. During the loan the vehicle was serviced numerous times, although it was under warranty in the beginning, it came to a point that the warranty expired and all repairs were out of pocket. The last time the car stopped on a busy XXXX highway. I had it towed home and could not afford to have it repaired again. It was just in the shop for repairs only 2 months prior to this incident. I called PRESTIGE and told them to come pickthe car up. I spoke with numerous people XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX just to name a few ... They kept trying to get me to pay even after I told them that I could not afford to continue to pay. they really put on the pressure. After a couple of months pass, I call them again to come pick it up, which they did with no problem. I received a letter shortly after telling me that they have possesson of the vehicle and the date that they would be selling the car in an auction in OH. That date for the sale was XX/XX/XXXX. I received another letter : EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY dated XX/XX/XXXX. It said the car was sold for {$7000.00}, there were costs that totaled {$810.00}. They intentionally left off a credit for GAP insurance. I ( we ) have been checking my credit report since XX/XX/XXXX to see when the amount that I owe Prestige is corrected. It is currently reporting that I ( we ) owe {$16000.00}. I have written Prestige, XXXX, XXXX  & XXXX to dispute the amount owed. Prestige is reporting inaccurate information on a credit report, which is against FCRA. On XX/XX/XXXX, I ( we ) spoke with XXXX at XXXX EST at XXXX and questioned her about the incorrect information and the reason we were not credited for GAP insurance, she stated that my account had not been assigned to anyone yet and they could possibly be waiting on an insurance payment. I informed her that they were reporting inaccurate information and she could only say that it has not been assigned to anyone. I asked how long does it take to be assigned to someone and she said she did not know. She also told me that as of today XX/XX/XXXX my balance is now {$9600.00} because of per diem charges. I don't understand how you can charge per diem when you can not give me an accurate amount of what I owe, if you did not credit my account something that should have been credited? I asked if I could enter into an agreement to make lower payments on what I owe and she told me that I could always send in payments, but they can not say the bill has been satisfied until they get a XXXX balance. If I am correct, I ( we ) should have received a notice with the letter dated XXXX, XXXX cancelling the original contract. There has been ample time to correct this with the 3 major credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received 16 emails from Western union about my account was updated, my password has been changed and money transfers followed by a phone call from Western union fraud department. The agent on the phone asked me for my name and asked me did I authorize the wire transfer which I replied no I did not and was placed on hold while he was stopping the transactions the agent then told me that the transaction was declined and the money will be sent back to my checking account. I immediately called my bank to cancel my debit card and inform them of the fraudulent activity and was told that an investigation will be done. I also changed my password to my Western union account. Fast forward to XX/XX/XXXX I received letter from XXXX  stating that they did an investigation and was provided documentation by western union proving that I did authorize the wire transfer and this was not a case of fraud and XXXX   will deduct the money that was replaced. At that time I found out that Western union did not refund the money back to my account. I contacted western union multiple times on XX/XX/XXXX and was told multiple times that on that day of XX/XX/XXXX there wasn't any wire transfers on my account and my Western union account was closed and kept brushing me off and told me to contact my bank. I spoke to Western union and XXXX fraud representatives 8 times that day. I finally was able to reset my password on my Western union account to on XX/XX/XXXX there were attempted wire transfers all at the same time, 2 were successful 1 was declined by western union and 1 just says unavailable all were repeated to my mother 's name payout location in the state of North Carolina but the payout location was in XXXX, XXXX. My mother does not reside in nor has ever been to XXXX. The 2 payouts for {$200.00} which totaled {$410.00} was paid out in XXXX statements were collected in XXXX according to the Western union statement by my mother which is not possible. But despite the email activity and the obvious fraudulent activity that is visible on my Western union account Western union just apologized and said they can not refund me my money because it has been collected and they can not retrieve the funds. I have the transaction tracking numbers from XXXX and the 4 wire transfer tracking numbers from Western union along with copies of all 16 emails from Western union when whoever did this hacked into my western union account and changed my profile and password. I will also be going to my local precinct to see if I can file a report. This was clearly fraud that was allowed to happen through Western union and they knew it was happening and they're trying to pass the blame elsewhere.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX continues to inaccurately report my past two loans as open or unpaid. For 5 months now I have requested through all credit reporting agencies and XXXX XXXX  to fix the inaccurate information, as soon as it is fixed XXXX XXXX illegally reports as unpaid the following month. I feel they continue to do this month after month to prevent me from getting loans at a decent rate due to it negatively affecting my credit score. This is illegal and I have proof they continue to report to the credit bureaus month after month inaccurate balances to lower my credit score. Even after it is fixed they follow up with inaccurate information, this is illegal, this is fraud, this is damaging my credit! My account has been closed since XX/XX/year> and XX/XX/year> and they continue to falsely report a balance. This is fraud!
Product: Debt collection

Hello, I received a weird phone call from a guy claiming to be XXXX XXXX form the number ( XXXX ) XXXX XXXX from XXXX XXXX and he said he is calling me on behalf of XXXX XXXX XXXX  to take my car because I have failed to pay the bank for the auto loan! He had my number, my name, my address and the info about my car, while I have never had any business whatsoever with XXXX XXXX and I had no debt on the car he was mentioning to! This was obviously a scam and a fraudulent call to steal my car and this seems like a big sign of identity theft!