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

TransUnion 's free credit history management website, which includes a feature for freezing my credit report, is unusable. I made an account and have been trying to log in for months now without any luck. This is a very simple process with the other 2 credit bureaus where I can make an account, log in, and freeze/unfreeze my credit report. With TransUnion this feature is intentionally separate from their for-pay accounts with a different account system and the log-in is very poorly developed and not supported. I contacted TransUnion for support but they could not help me log in and then stopped providing support. I have found many mentions online of people having the very same problems - unable to log in and use their website. The support asked me to not use a password manager to log in, etc, but still can't verify my identity. This is intentionally under-supported. I am very well familiar with how easy it is to make a log-in and secure system that just works but TransUnion is clearly not putting in the effort to do so for their free services. I have tried accessing the account in XXXX and XXXX of XXXX  multiple times with support not being able to help me. Most recently attempted on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated immediately : 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 US SM BUS ADMIN ODA 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

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages XXXX XXXX attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Product: Credit reporting or other personal consumer reports

This is my second requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a call from RS Clark and Associates on XX/XX/XXXX at XXXXXXXX XXXX   The lady who called verified my date of birth and read me the mini miranda disclosure that is required buy law. At the end of her talk off, she asked me if this was a refusal to pay? Now keep in mind I allowed her to finish her talk off and never even said a word about refusing to pay. I then asked her what day this file was listed with their office. She informed me XX/XX/XXXX. Per the FDCPA section 809 A and B, I have the right to validation of debt and the right to dispute my debt. Once this information is requested collections efforts must cease. I informed the young lady that I was requesting verification and validation of this debt and her response was they sent me a letter out. I also informed her I was disputing this debt since I was unaware of the debt. She then told me collection efforts will continue. This is a direct violation of of the FDCPA and I am entitled to actual and statutory damages from RS Clark and their client. This is no way to collect a debt. I work for a debt collection law firm and MUST follow the law. This is very unfair and deceptive to a consumer. I spoke with XXXX who was the collection manager and stated she would handle this, but I have my doubts. 

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

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures 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. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature
Product: Credit card

I reached out to the company while experiencing struggles following leaving a XXXX  XXXX incident. They refused to negotiate the late fees to an affordable amount. I tried to work out a payment arrangement to make a one time payment and settle the debt and they refused
Product: Checking or savings account

A life long friend wired me funds from his XXXX XXXXXXXX account to my new Citibank account. The first fund was wired va 3wires due to XXXX XXXX  limits and weekend timing. After talking to a banker i was able to withdraw the funds. An additional wire from same friend came about 1 week later and when i went to withdraw it i found out that citibank had frozen my account ... claiming fraud. My account, debit card and mobile app stop working. I could no longer log into my account using citibank mobile app nor could i change the password as they recommended. I called customer service, went to the branch, talked to the fraud dept and it did not help. I filed a grivance and expect it to go nowhere. Citibank holding my funds hostage for 30 to 60 days i causing me and my family financial hardship. I have told the bank this and i get the same corporate line... .the process takes 30 to 60 days. I was told i would receive a letter in the mail from citibank fraud dept ... one week has passed and i received nothing. Banks should not be allowed to handle their customers this badly. I now understand why they have had to close almost all the citibank branches in XXXX and worldwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires and I have tried removing them, I did not do them, I never consented to any of them, I don't even know what they are, I have contacted them and the credit bureau and no one helps, they just keep transferring the call to someone else. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public XX/XX/XXXX XXXX reporters XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 's XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Under 15 U.S.C. 1692g of the FDCPA, a debt collector must provide validation of a debt upon request. I exercised my right to request verification, yet Capital Management Services has failed to provide sufficient evidence proving the legitimacy of the debt, including the original signed agreement and itemized statements proving the amount owed. Additionally, under 15 U.S.C. 1681s-2 of the FCRA, furnishers of credit information are required to report only accurate and verifiable information. Reporting a charge-off without proper validation
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Date : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to submit a complaint regarding the conduct and actions of my XXXX  XXXX bankruptcy trustee, XXXX XXXX XXXX 's office. My case was filed in the XXXX XXXX XXXX New York, XXXX. Unfortunately, I feel that I have been treated unfairly due to circumstances beyond my control, primarily my recent medical emergencies, which are documented. 

On XX/XX/XXXX, I was in the emergency room at XXXX XXXX XXXX XXXX XXXX for an urgent medical procedure. During this time, I attempted to contact the bankruptcy court to reschedule a hearing. The court informed me that I needed to call Trustee XXXX office for assistance. When I reached out to XXXX XXXX office, I spoke with a male representative who told me to call the bankruptcy court back. I explained my situation, emphasizing that I was in the emergency room and requesting an adjournment, and I was again advised to contact the court. Which I did, and I was told by the court to call Trustee XXXX office again. 

After my medical procedure, I called the court again, and I learned that my court date had been adjourned, but I later discovered that my case had been dismissed. Following this, I had to schedule emergency XXXX  XXXX on XX/XX/XXXX, and I have a pending XXXX  XXXX scheduled for XX/XX/XXXX. 

As a result of the dismissal of my bankruptcy case, I am now facing a foreclosure sale date set for XX/XX/XXXX. My mortgage is with SPS Mortgage ( Account # XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I believe that the Trustees handling of my case, particularly given my medical circumstances, was unjust and lacks the appropriate consideration due to my situation. 

I would like assistance in addressing this matter. I would like to move forward with my bankruptcy case and seek guidance on how to reinstate my XXXX  XXXX bankruptcy given the extenuating circumstances I have faced. I would like Sps to stop the sale date so that I can move forward with the bankruptcy. 


Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Sold my car for parts, i dont owe anything in the XXXXXXXX XXXX you are crazy scam company
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I have been using Western Union for several years not to send money to my family members and friends in the XXXX. Western Union has closed my account without warning our reason. They have also taken all of the reward points i have accumulated over the past 5 years
Product: Credit reporting or other personal consumer reports

I'm writing to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require a documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this reports in my letter to help substantiate my claim. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX plus XXXX for 6 months, they said it would be 4 months they said i would have access to all 3 beareaus i had to pay seperate and give them my logins so they could " dispute charges '' for me XXXX a month they signed into my XXXX  XXXX, my XXXX.XXXX, my XXXX accounts stealing my info and lowering my score i had credit card fraud after this. i cant tell if it was them BUT ; they said my rent would be reported to every agency, every month for the life of how long i lived there It was not reported to the agencies but 1, XXXX  and it was for one month after months of asking it should have shown 16 months on report my credit dropped and was not improved i can no longer dispute erorrs with the credit bureaus i was suppose to be able to get a home loan after 6 months with a low credit score this was not done i contacted by email and phone got no return call after " agent '' changed to 5 different people " assigned '' to me
Product: Mortgage

After many years of not being able to get out of my XXXX  XXXX XXXX loan which came to them by way of XXXX by way of countrywide I was finally able to refi through the hope for homeowners program and get out of my adjustable rate mortgage and get a fixed mortgage, they, in turn sold my loan to Ditech. 
In XXXX I contacted Ditech in order to refi to a lower rate take out cash to pay of high interest credit card debt thus lowering my DTI .... Instead of responding to me they sold my loan to XXXX mortgage. I contacted FHA to find out about programs to help homeowners stay in their homes. They referred me to XXXX loans and they denied me even though I have the equity the credit score and the income ... .plus they did not offer me any government options ... 
But yet this is the company the government told me to contact for help. 
Out of the blue XXXX ... my now NEW servicer ... ... contacts me and says they can offer me a program to take cash out pay of my debt to go towards my Debt to income ratio at a cost of {$17000.00} and 10 years of pmi payments of over {$350.00} a month even though I have over 50 % equity in my home ... ..I owe XXXX and my home is worth XXXX. I have good credit and I believe that these companies are trying to take advantage and give me unfavorable rates and loans based on being single XXXX and female which is one of the first things they all asked me about. 
My complaint is to Ditech for selling my loan in order to not do a refi. 

This is not the first time I have had to battle these companies from trying to steal my home from me ... I spent 8 months in 2009 trying to clear XXXX  XXXX XXXX attempt to take my home by them claiming I was not paying my mortgage on time which after sending them all the cancelled checks disputing their claim the were in error Nd stopped their attempt to take my home ... .but by then I was stuck in the Arm mortgage that took me years to get out of. 
I even contacted the DOJ at the time and they said XXXX XXXX XXXX  did nothing wrong but year later they he to pay the government a huge fine for their part in the mortgage crisis. 
So yet again I am fighting to get fair and equitable treatment. 
Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
Product: Credit reporting, credit repair services, or other personal consumer reports

The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report and I want them removed. There is no written consent for the inquiries and I did not make them. I filled out an FTC report and I want them removed. Here is the list. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU HAVE XXXX DAYS TO COMPLY.
Product: Credit reporting or other personal consumer reports

For almost two years I have been trying to dispute LVNV FUNDING LLC. This company has never sent me a debt validation letter and when I tried contacting a year ago either they said this debt is with another agency or they cant provide the validation I'm asking for. I have sent multiple letters that I have proof of and XXXX has also failed to investigate this and show me proof of the steps that were taking to investigate this debt. The dispute is updated to inaccurate information. 
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove this from my credit report now.
Product: Credit reporting or other personal consumer reports

Hey I Received an XXXX Form for the charged off account : Account XXXX XXXX  XXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

At some point in early XXXX I contacted XXXX XXXX to inquire about a less costly home owners policy. The normal prerequisites were supplied and was rejected by me in an E-Mail dated XX/XX/2012. XXXX am. All action by XXXX showing my acceptance occurring on XXXX XXXX ( XX/XX/XXXX is a Sunday?? ) one day before my rejection E-Mail dated XX/XX/XXXX, which is attached. 

I did not sign or initial anything XX/XX/XXXX or at any other time. 

A premium for the this homeowners insurance was deducted from my escrow account by Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. showing a payment dated XXXX, XXXX ( SUNDAY?? ) to XXXX XXXX for {$1400.00}. SLS knew I had another active policy with XXXX. 

Unknown by me, XXXX was continued and {$1800.00} was paid from my escrow on XX/XX/XXXX for renewal by S.L.S. I now have two HO policies, resulting in an large increase in escrow payments and therefore a large increase in my monthly payments. The XXXX payment shows this as occurring on XX/XX/2012 ( again this is Sunday XXXX which was one day ahead of XXXX receiving my rejection. 

The XXXX agent who handled this was XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX I am XXXX years old and my only income is Social Security, the increased payments push my monthly payments out of reach with the possibility of future foreclosure.