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

I am writing to file a complaint formally regarding my ongoing disputes with TransUnion, XXXX, and XXXX related to identity theft. Despite my best efforts, these credit reporting agencies have failed to address and resolve the issues on my credit reports accurately. 

TransUnion has removed some incorrect information but continues to report inaccurate accounts. When I sent a debt validation letter, they repeatedly claimed the information had been " verified, '' but they have not provided any method or proof of how this verification was done. Similarly, XXXX has issued the same response without offering clear validation or supporting documentation. 

XXXX, on the other hand, has shown a concerning lack of action in addressing my concerns. Instead of promptly investigating or removing the inaccurate information, they have sent me three copies of my identity theft rights without taking any further action. 

Across my credit reports, XXXX, TransUnion, and XXXX are reporting inaccurate information, even regarding the accounts listed below. The dates, names, account numbers, and activity associated with these items are all incorrect. 

I have evidence of my identity theft, the disputes filed, and the lack of resolution. I respectfully request that the CFPB review my case and play a crucial role in ensuring that these credit reporting agencies fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not handled quickly and adequately, I will be looking for compensation for the damages caused by the continued reporting of inaccurate information on my credit reports. 

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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( Transunion, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance has reported inaccurate information on my credit report for several years. All of the information that has been provided by them has been incorrect and different across the big 3. According to the FCRA 623 ( a ) it is a violation to report incorrect information to my credit profile. I have sent several dispute letters, and I have also asked to be shown the method of verification for this account. Credit acceptance has still not sent over the information to me. I am requesting for this account to be permanently removed from my report.
Product: Credit reporting or other personal consumer reports

It is so distressful to know that my credit report has inaccurate information, I'm working hard and earning my paycheck the honest way yet I see a lot of false items being reported on my credit report. It has massively impacted my life and my XXXX XXXX negatively, living in a crisis and it's hard to get by during emergencies when my credit applications can't get approved because of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is Vance and Huffman. 

Fast forward to XX/XX/2022 Vance and Huffman LLC removed their negative item from my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

Today they readded it without notification or reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Mortgage

My mother was misled into taking out a reverse mortgage on her home in 2008, at which time she was given a net amount to her of roughly {$12000.00}. She did not take any additional funds through the course of the loan against the original available amount. 
She is in the process of selling her home and has been told that her buyout amount is {$200000.00} - again she ONLY received {$12000.00} from RMS. Thus, the company is saying that the fees on this transaction are now {$180000.00}?? 
I am attaching all of the original loan documents as well as her current buyout statement. 
Nothing about this adds up. 
Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did send money to XXXX, and I did provide the information requested on the page online by Money Gram, the XXXXXXXX XXXX XXXXXXXX did not accepted the transfer becouse of lack of information provided by Money Gram ( online page ) ( did not comply with the requirments by the XXXX XXXX, like XXXX, and other information needed by the XXXX XXXX ), The XXXX XXXX  decliened the transfer, Money Gram cancel the tranfer, and then my Bank did not accept the refund becouse the policy that they have exced the amount of deposit ( refund ) restrictions that my bank has, I did contact my bank and ask me to ask Money Gram to split the amount of my refunnd, Money Gram refuse to do so, I ask money gram to give a credit of the refund so I keep sending money to the same reciver and they refuse and also ask Money Gram to send me a check of the refund and They also refuse.now we are on XX/XX/XXXX and still dealing with this issue, and Money gram refuse to give my money. Money Gram said that they always refund the money even if thay can refund the money to original card used to make the transfer but when I ask them about excalate to the next step becouse the policy my bank has, they come back saying that I need to call my bank again .and all of this has been repited again and again all this time.
Product: Debt collection

entered a consumer credit transaction with ALLY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting or other personal consumer reports

I'm writing because too many have I reached out to the XXXX Credit Bureau Equifax XXXX, and XXXX to be specific in regards to the inaccuracy of information being recorded and reported! 

So, I currently learning of these other databases that they all use! XXXX XXXXXXXX, XXXX AND XXXX THERE INFO IS NOT UPDATED, OLD AND THEY AREN'T CURRENT, PLUS, not really how they received updates. I'm simply applauded to see the lack of record keeping here from all XXXX here! So, when purchasing a car the XXXX databases are reporting outdated information, never current plus painting me in a bad negative light! 

I decided definitely to request a total wash-out of both hard and soft inquiries due to the unfair treatment of costing me a higher interest rate and principal, not to mention higher car payments, not to mention unable to save money! I'm super disappointed and disgusted in my founding! Especially, after XXXX cars in a roll. First, the XXXX XXXX XXXX now the XXXX XXXX XXXX, both XXXX they both should not be on the road. On the based of 15 USC 1861c and Section 623 and XXXX  XXXX XXXX application XXXX dated XX/XX/XXXX XXXX XXXX ... and others
Product: Credit reporting, credit repair services, or other personal consumer reports

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies in XX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
Product: Credit reporting

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Product: Credit card or prepaid card

On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.
Product: Debt collection

Upon receiving my credit report. I noticed there were items on my report that wasn't mine. I immediately started a dispute with each credit bureau and the debt collection company XXXX. The item a XXXX bill was taken off of all of my reports, just to reappear under a different collection agency. I then sent a verification letter to the new collection agency Diversified Consaltants asking for verification and all I received was a statement, no SSN or and other legal verification and all they did was update to info on my credit report. I'm more than sure this is not enough to verify a debt
Product: Debt collection

I have tried to pay whatever I could over the years on my student loan. I have an overwhelming amount of debt not to mention my daily necessities. I ca n't exactly come up with any substantial sum of money right now. I have already paid 75 % of the loan too, which is really frustrating that I am still getting harassed.
Product: Credit reporting or other personal consumer reports

Round 1 I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan from World Finance in XXXX XXXX  a few months ago with full intent of paying it back to build credit. I'm on Supplemental Security Income and was struggling to make ends meet as my husband 's paycheck is almost completely taken by child support and I owe the IRS due to XXXX XXXX as a XXXX I'm not eligible for food stamps so I was desperate for groceries. They said they could loan me a minimum of {$600.00}. I didn't want that much but I was hungry and in a position at the moment to make payments. However, I had a death in the family and my husband and I separated. I couldn't afford to make it back home in XXXX so I returned to XXXX to camp out on property owned by my in-laws. I'm currently homeless and on an SSI check. I tried to get a job but couldn't handle it and my SSI was cut back as a result. However, World Finance kept calling me every day and sending emails threatening to sue me or repossess collateral which I no longer have. I'm living in a tent and have no valuable possessions. I'm afraid of being sued as a court order wouldn't make me capable of paying the loan and I could be arrested for contempt. I started having worsening XXXX  and XXXX as I'm diagnosed with a XXXX XXXX. I couldn't take it anymore so I tried to schedule a payment. However, I need to use my limited funds to try to secure housing and eat. I want to make this right. I really do. But I simply can't afford to pay this loan right now and the stress could put me in the hospital. I'm asking for this debt to be moved to collections for now and I'll resolve it if and when my situation improves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, XXXX, TransUnion and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.
Product: Vehicle loan or lease

My car was stolen and the insurrance did 'not pay what the have to pay, and now the bank want me to pay for the rest of the amount that the insurrance did't pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Center , Inc is attempting to collect a debt that does not belong to me. Credit Center , Inc. is reporting a delinquent collection account to XXXX XXXX XXXX XXXX  that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Credit Center, Inc. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent activity on my credit report.Please remove these account from my credit report they are affecting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 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 or other personal consumer reports

TransUnion was Advised they were reporting frivolous names And addresses, agent was unable to verify my identity stating that I will need to send my Social Security card through the mail, I refused asked it was another way, call disconnected
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint XXXX, you claimed that the attached documents provided were sufficient validation of the alleged debt. However, the original creditor did not verify the information, including the balance you are reporting. This failure to validate the debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, you are reporting XXXX different " Date Last Active '' ( DLA ) entries to the credit reporting agencies ( CRAs ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to CRAs must be accurate and consistent. 

Given these violations, I demand that this account be deleted from my credit report immediately. If no corrective action is taken, I am prepared to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma says I was pre approved for offers and it wouldnt effect my credit score and it all was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member of the XXXX card since 2014 where I made a purchase and paid my debt off. Recently XXXX closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 A. STATES I HAVE THE RIGHT TO PRIVACY - 15 U.S.C 1681 SECTION 604 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

XXXX cell account # XXXX. XXXX owed {$1100.00}. The debt was transferred to Convergent Outsourcing XXXX. Which was settled for XXXX cents on the dollar. I paid Convergent Outsourcing account # XXXX {$550.00} to settle the account. They said they would report it to XXXX as account paid for XXXX cent on the dollar and it should be closed with a XXXX balance. They also sent me a letter with a receipt for the amount paid for less than the full balance and the account should be closed. It would also be reported to XXXX as such. 

XXXX is telling me i still owe the balance although it was already settled with the XXXX XXXX. That is mis-information on both of their part. The XXXX account should show settled and with a XXXX balance and account should be closed. But the account is still showing open with a balance on XXXX side.