23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.
Product: Student loan

XX/XX/XXXX, XX/XX/XXXX with no correspondence prior nor about the XX/XX/XXXX offset. After my denial for Medical discharge and having provided Medical documentation, I appealed for Forged Signatures Fraud and continuous Fraud appeals in XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT CONTINUES TO APPEAR ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : Discover, XXXX, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

account was closed and resolved years ago, however this remains on my report.
Product: Credit card

We rented a car. A third party service that has an automatic toll payer ( like XXXX ) billed us for using their service, which we did not use. AmEx and XXXX acted as if the charge was legitimate. It took three times corresponding with them before they dropped the charge. They acted like the burden was on us to prove we did not incur the charge and they sent " evidence '' that proved nothing. It was harrassing, and most consumers would simple have capitulated. I happen to be a lawyer, so I pushed the issue. We feel that these companies ( XXXX XXXX XXXX, XXXX, and AmEx ) are using their corporate leverage to rip people off, and we 'd like to know how often this happens with these companies in particular.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Mortgage

I cancelled PMI premiums with PNC in XXXX. I previously filed complaint XXXX due to excessive delays in processing my request to cancel PMI premiums. This is not a duplicate complaint, although it is related. PNC delayed processing and continued charging premiums. The representative who contacted me regarding my complaint alleged that I would be refunded for the premiums they continued to charge. 

I mailed PNC a request to cancel PMI on XX/XX/XXXX, notifying them that I would be below 80 % LTV by XX/XX/XXXX. I called numerous times and received no response other than " we are submitting a request. '' On XX/XX/XXXX, 13 days after my balance became below 80 % LTV, I filed a complaint with the CFPB due to a lack of response. On XX/XX/XXXX, PNC mailed a response to me, asking for {$500.00} for an appraisal. On XX/XX/XXXX, a PNC representative finally contacted me by telephone. She forwarded me an electronic copy of the letter which had been mailed XX/XX/XXXX. I sent a check for {$500.00} by overnight mail which was received by PNC on XX/XX/XXXX. 

PNC cashed my check on XX/XX/XXXX. PNC then waited 15 days after cashing my check and mailed a response to me postmarked on XX/XX/XXXX asking for {$60.00} more for an appraisal. PNC received my check by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, 39 days after I reached the 80 % LTV mark, PNC charged me an additional premium of {$74.00} as part of my monthly mortgage payment. 

PNC routinely waited 13-15 days to respond to any communication, and continued charging me premiums. 

PNC finally arranged for an appraisal on XX/XX/XXXX, 56 days after I mailed my original request to cancel PMI. The appraisal sufficiently proved that my property has not declined in value. 

PNC withdrew a monthly payment of {$74.00} from my escrow account on XX/XX/XXXX and then withdrew an additional payment of {$74.00} from my escrow account on XX/XX/XXXX. 

On XX/XX/XXXX, PNC mailed me a " refund '' of {$42.00}, despite the fact that they charged my {$74.00} on XX/XX/XXXX and withdrew two monthly payments from my escrow account on XX/XX/XXXX and XX/XX/XXXX. 

I am therefore seeking the full refund for PMI premiums that PNC took from my escrow account in XXXX which is {$140.00} minus the partial refund of {$42.00}, per the terms of the Homeowners Protection Act and the terms of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

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

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have been XXXX since XX/XX/XXXX, and purchased my home after my divorce in XX/XX/XXXX. Due to special needs and ongoing medical expenses, I knew my mortgage payment was more that I could afford, so I contacted Bank of America to see what we could do. They sent me forms by fedex, and I filled them out, but I could never get past that point and reaching the person handling the service on my loan was a series of phone tag. I filed for Chapter XXXX in XX/XX/XXXX, but this did n't change my monthly outlay of expenses. In XX/XX/XXXX, I was approved for Social Security XXXX, but this caused my private XXXX company to stop paying my benefits. My income has been reduced by more than XXXX % since XXXX XXXX. I filed a consumer complaint about my mortgage, and Bank of America wanted me to file for the hardest hit fund first. I did this, was approved and gave Bank of America the same paperwork to rework my mortgage. I was given the email address of the person handling my loan and submitted documents requested, but the only response I received was a letter they were still waiting on missing documents and they closed my request. The hardest hit fund pays my home loan for 13 months from XXXX XXXX, but I will need my loan to be modified in order to keep my home. I believe I qualify and I need Bank of America to complete the process. I am a full-time single parent with XXXX. 
I do not have a XXXX or XXXX XXXX owned loan, which is where a lot of relief is. Mine is just a 30 year fixed FHA loan.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can furnished is with the consumer 's written instructions to furnish my information. All transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law, the consumer reporting agencies have violated several of my federally protected rights and I need all following accounts removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family, and the consumer reporting agencies are to exercise their grave responsibility. 

-See attached for accounts
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and i have made several attempts to Transunion to have my identity restored due to criminals illegally reaping the benefits of using my identity. On XX/XX/2023 i sent out a dispute letter regarding my identity being stolen to Transunion credit reporting agency. During the time my identity was stolen i was serving a XXXXXXXX XXXX term in the Michigan Department Of Corrections so attached to my dispute letter was supporting documentation such as Proof Of XXXX proving that i had no access to my own identity and that the perpetrators did what they wanted and ruined my financial well being.

Transunion and creditors deleted what they felt was necessary to them. The remaining accounts and inquiries that need to be deleted from my credit report are : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigation was conducted pursuant to the FCRA section 611. Procedure in case of disputed accuracy.. The investigation was done in such an error that they REMOVED TWO ACCOUNTS RESULTING FROM THE IDENTITY THEFT BUT DIDN'T DELETE THE ASSOCIATED INQUIRIES.

Also Transunion and creditors failed to have damaging information blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. Instead Transunion and creditors continue to make the consumer suffer having to deal with the burden, all because they make a profit from data furnishers to continue to report inaccurate and false information.

According to the Consumer Data Industry Association. Automated Data Reporting is to be done in a way that allows complete identification information to be reported with the ability to match the CORRECT consumer.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting

Attached you will find documents regarding an account on my Equifax credit report that needs to be deleted. XXXX and XXXX already deleted it. But as of XXXX XXXX Equifax just reported it. The XXXX account that was opened in my name is not mine. The documents will explain in detail what happened. The other credit agencies have already fixed this problem. I am expecting the same from Equifax. Thank you.
Product: Mortgage

On XX/XX/XXXX, a CFPB Complaint was sent to XXXX XXXX XXXX XXXX XXXX ( XXXX  ), requesting information regarding a XXXX Home Mortgage Loan Originated to XXXX XXXX XXXX and XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX. The initial Response sent to the CFPB Consumer Complaint Department by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX was that Complaint Number XXXX was not for XXXX. CFPB returned the Complaint to XXXX and requested more information. XXXX then sent CFPB to verify that the specified Complaint was, in fact, sent to the correct company, and they then resent it back to XXXX. The second time that XXXX received CFPB Complaint Number XXXX, they acknowledged that the said CFPB Complaint was routed correctly to XXXX complaint, but that it was a duplicate of a CFPB Complaint Number XXXX that they had received the previous year in XXXX and because it was a duplicate complaint they did not have to respond to it. This was a false response sent from XXXX to CFPB for the two following reasons : 1. Complaint Number XXXX was sent to Select Portfolio Servicing, Inc. by CFPB on XX/XX/XXXX. It contained a multiple-page narrative delineating details and dates that were never included in any other CFPB Complaint.

2. The Consumer Financial Protection Bureau ( CFPB ) includes various data security and data privacy features that ensure that the confidentiality of the American Consumer is protected at all times.
Product: Mortgage

Original complaint XXXX, He bought up my entire past to justify what they are putting me trough to discredit me ... ..But now they are adding late charges when I pay the mtg automatically on the % th of the month. The latest date to pay is the XXXX which is noted on their own correspondences... .This is harassment. I have a XXXX XXXX, and XXXX at XXXX of age come XX/XX/XXXX... XXXX.I can not take much excitement ... He never answers the phone..He only calls when I complained ... ..What they are doing is stealing XXXX dollars a month and that adds up ... .I live on Social Security ... ....
Product: Debt collection

World Finance Corporation has been reporting inaccurate information since XX/XX/XXXX. All three credit bureaus has different delinquency dates. XXXX shows on record until XX/XX/XXXX. I made a payment in XX/XX/XXXX. Matter of fact, payment history has paid on time dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows the date of first delinquency XX/XX/XXXX. Also, it shows date of last payment XX/XX/XXXX, however ; XXXX report I made on time payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX shows estimated month and year that this item will be removed : XX/XX/XXXX. 

On XX/XX/XXXX I sent World Finance Corporation a letter telling them about the inaccuracies and they did not make any changes. On XX/XX/XXXX, they sent a letter and in the letter it said, '' We furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant your request to remove accurate data. '' They have reported my credit history incorrectly per documents and their reporting. 

The account was originally a ten month loan for {$770.00}. The payment was {$77.00} a month. World Finance Corporation report {$610.00}. That indicates I have made two payments, however ; they report that I made on time payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is XXXX payments which should show {$460.00} since World Finance Corporation sternly put all credit information fully and accurately after being told information was inaccurate. The interest that is added is in question due to the blatant inaccuracies and the refusal to amend inaccurate information after being told. 
I have disputed with the credit bureaus XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX about these inaccuracies with proof and it all came back verified as correct.
Product: Mortgage

I received a notice from my mortgage loan servicer, Select Portfolio Servicing, to provide proof of insurance for a policy that had expired on XX/XX/XXXX. I sent that to them. On XX/XX/XXXX, I received another letter asking for proof of insurance for the prior year, XX/XX/XXXX to XX/XX/XXXX. I did not have insurance in place during that year because my home was in foreclosure and they had scheduled an auction. The home is no longer in foreclosure and all the auctions, three of them, were canceled. 

Then I received a bill from them for {$3500.00} for insurance ( force-placed ) for the lapsed period, the prior year. This is double what I pay now and it was for a year that had already passed. 

It 's hard to believe they can do this, but they did it. If I could buy insurance for a previous year, I would have done it but it seems only mortgage companies can do this and force it on the homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

theres several issues with XXXX reporting on my defective XXXX XXXX loaned XXXX down XXXX XXXX  according to three banks- XXXX , XXXX  , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX XXXX XXXX refused to fix my car 3x. XXXX left me no choice but for them to repo it in XXXX ( SIXTEEN ) - not XXXX ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. 

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
Product: Debt collection

This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.
Product: Credit card or prepaid card

I started an installment plan for a company ( XXXX  ) which was canceled on XXXX XXXX by the company. Both XXXX and Cash app will not provide a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Product: Credit reporting

I have filed several disputes in regards to this matter. I spoke with someone named XXXX today to have inaccurate information removed from my report such as names, addresses and debt associated with the address ... I HAVE NEVER RESIDED AT XXXX XXXX XXXX XXXX ... ... THERE IS NO SUCH NUMBER ... therefore the this address reporting as well as the debt associated with it is INCORRECT!!! I 've sent numerous letters and spoken with several people who insist they can NOT HELP ME .... I also submitted a letter stating the creditor DOES NOT HAVE VALID DOCUMENTUON yet the credit bureau keeps sending this back to me as verified ... how can this be when I have never lived at address associated with account .... I also have a credit report from XX/XX/XXXX which does not have this address but the accounts are there then the report from XX/XX/XXXX with this address and am told these accounts are associated with them HOW IS THIS POSSIBLE? Where and who is checking for accuracy? Because clearly this can NOT BE ACCURATE I HAVE NOT LIVED AT XXXX XXXX XXXX XXXX AND THERE IS NO SUCH APT number THIS IS INACCURATE AND ANY ACCT ASSOCIATED WITH IT IS AS WELL verify with post office THERE IS NO XXXX XXXX XXXX XXXX XXXX!! I have NEVER LIVED AT THIS NON EXISTANT PLACE
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX the vehicle stared at XXXX dollars ok after all the fees and other it came up to XXXX where the problem start at they got me paying XXXX for 72 months that's XXXX dollars ok they telling me it's nothing they can do when we did the closing didn't nobody tell me well XXXX you no you got to pay XXXX but the bank adding a extra {$28000.00} so your total is XXXX I feel very helpless could you please help me thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX  Credit card to a XXXX balance on XX/XX/22 for {$160.00}. On XX/XX/22 Comenity? XXXX XXXX assessed me a {$1.00} finance charge on a XXXX balance. They assessed me another {$1.00} the same day. Because I paid it off, I didn't check my account to see that this has happened. Now Comenity Bank is reporting late payments and keeps adding late fees. My balance was XXXX on XX/XX/22. There should have been no other fees added. I want the credit reports updated to show no late payments and balance back down to XXXX.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under XXXX XXXX XXXX ( g ) Section XXXX ( b ) Communicating with a debtor after receiving a cease and desist certified mail under XXXX XXXX XXXX ( g ) Section XXXX ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, XXXX XXXX ( g ) Section XXXX ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.