23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is falsely and illegally extorting Americans into paying for their services. I have always had credit in the 700 's and now per trans union and XXXX XXXX, they have dropped it to the 500 's and i'm trying to purchase a house. Trans Union will need to be liable for my higher interest rate on a home purchase or if they interfere due to false credit scoring documentations. Trans Union is interfering with me obtaining a home. and This is extremely incorrect due to NEVER being late on not ONE payment in ten years. I'm going to document everything regarding my true length of my credit history and NEVER being late on any payments and never filing bankruptcy. Trans union needs to be exposed as they are illegally monopolizing the national credit bureau. This is illegal and harming my livelihood. I make over {$100000.00} a year and have OUTSTANDING credit history to prove yet they are reporting me in the 500 '' s?? This is Fraud from the credit bureau.
Product: Mortgage

I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. 
I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly the XXXX/XXXX partial account number XXXX as a charge off. ( Please see page 16 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the handling of the multiple attempts to remove fraudulent items. It is essential to address this matter promptly and thoroughly to uphold the integrity and fairness of the process. 

Despite the repeated attempts made to remove fraudulent items, I am deeply disappointed with the outcome of the multiple attempts. The presence of these fraudulent items not only undermines the credibility of the process but also erodes trust and confidence in the integrity of the proceedings. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence among all stakeholders. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital one 360 charged me for a XXXX concert that never happened on XX/XX/2021. CAPITAL ONE REFUSED TO REFUND MY MONEY. For a concert that was cancelled last year in 2021. Then charged me a overdraft fee
Product: Mortgage

I was behind XX/XX/XXXX payment as i was told by a representative to miss a payment in order to apply for mortgage assistance. I then mailed a payment in of {$1000.00} in XX/XX/XXXX which was confirmed and received. I then mailed a payment of {$700.00} in on XX/XX/XXXX which was confirmed and received. I was advised that the payment sent in XX/XX/XXXX was credited to my XX/XX/XXXX payment. I received a trial modification on XX/XX/XXXX I made all payments and in XX/XX/XXXX i was advised that the final modification was mailed out to me in which i never received the documents. I continued to make payments on the mortgage and never received word that the lender removed me from modification review for not signing the modification documents. I was not made aware of lender not receiving documents as lender did not correspond anything with me until XX/XX/XXXX when i received documents stating NOTICE OF DEFAULT. I began to worry. I have placed several calls to lender to advise that i never received any documents. Lender advised me that they sent the documents to XXXX XXXX who previously represented me back in XX/XX/XXXX. In which the law office is closed and no longer represents me. I have sent in several documents stating XXXX XXXX does not represent me. I have been attempting to get the final modification documents from lender but every time i speak with someone i get the run around passed from department to department. I need some assistance with this situation. I have mailed in a letter of error to lender and yet i am still not getting any resolution. Also, i just made the payment of {$900.00} which was advised by the representative ( XXXX ).
Product: Bank account or service

I set up bill pay with Chase and asked the payment to be delivered by a specific date. It was not delivered on time and I got a late fee. When I contacted Chase, several times asking them to do something about it, such as contacting the payee, they refused. They would not even contact the payee to explain their error to have the payee reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment reported XXXX  2018 2018
Product: Debt collection

I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has negligently failed to report my credit accurately or report information provided to them creditors by : 1 ) failing to delete the record of default as instructed by the department of education rehabilitation services 2 ) overstating the total debt listed on my credit report by doubling my total federal student loan debt 3 ) failing to fix a problem created internal to equifax despite the creditor reporting the correct information to equifax 4 ) failing to have a procedure in place to confirm that the information reported to them by the servicer or creditor matches what they are reporting as per my credit report and factored unto my credit score 5 ) failing to fix a problem that equifax caused internally and instead treating the problem as a dispute with a creditor instead of as a complaint directed specifically at equifax 6 ) training or allowing multiple agents to lie or facilitate lying on the phone as evidenced by multiple agents of equifax denying that equifax committed an error despite admitting such errors prior to denying them 7 ) double reporting 8 federal student loans as 16 or more separate federal student loans 8 ) failing to correct the drop in my credit score attributed to their errors including but not limited to misclassifying open loans as closed and failing to delete the record of default on rehabilitated federal student loans despite being directed and provided proof of such by the servicer a month prior to my score dropping by 58 points ( equifax score only ) 9 ) failure to reconcile federal student loans as being one in the same loan simply because the account number changed when the servicer changed despite easily being able to identify each duplicated loan as the loan amount is the limit amount and date of the loan being the date reported being the date the loan was issued or first reported The above problems were not handled, present, or encountered with regards to XXXX or XXXX. These were specific to Equifax which has still failed to compensate me for the 2017 breach.
Product: Mortgage

Bank of America Home Loans XXXX To whom it may concerned ; I am requesting a postponement of the sale date of my home for XX/XX/2018. 
I have applied for a modification, and other types of assistance like cash for keys and relocation assistance. Bank of America still has a sale date on my home. I will be out on the streets with no place to go if this occurs. I need a postponement date on my home so I can get everything possible to the Bank to keep it I need to keep my home, and not be out on the streets.. I am also working with XXXX also. 

Thank you so much, XXXX XXXX
Product: Credit card or prepaid card

I live in Virginia and someone used my cash app card XXXX different times at XXXX in New York and I live in XXXX Virginia this is my rent money and bill money that has been taken. XXXX took XXXX $ from cashapp card XX/XX/XXXX at XXXX and another XXXX $ at XXXX and another for XXXX $ and another for XXXX. Remind you I live in Virginia these charges are absurd this is all of my money and there was another charge that I havent received back on XX/XX/XXXX at XXXX at the same XXXX New York location that cash all havent resolved yet but sent me another card im thinking that im okay until I wake up and see my cash app account drained. I have rent do on Thursday and my electric bill not including food for my kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.
Product: Credit reporting or other personal consumer reports

I am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

ACCOUNTS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal of these unauthorized items. This is critical to restoring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I send a letter to TransUnion in the request for verification of the debt shown as XXXX XXXX {$670.00} # XXXX. To date, I have not received any validation this debt other than, the debt was verified debt pursuant to Section 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

The report contains inaccurate information and company failed to provide the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX Acct : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I went into the XXXX store requesting to return a phone for my daughter who passed away a few months after the phone was purchased. I was told the request would be submitted to upper management and someone would get back to me. On XX/XX/XXXX at XXXX, I received an email stating the line of service was cancelled. On XX/XX/XXXX @ XXXX I was sent a form to complete to take into the store along with the phone & the death certificate. When I took the phone in, I was told even though I presented the form that was to be returned along with the death certificate and the phone, management still had to approve it. I was given another case # XXXX. On XX/XX/XXXX @ XXXX, I received an email stating the mobile service was disconnected and the total due was {$34.00}. On XX/XX/XXXX @ XXXX I spoke with a XXXX @ XXXX on a recorded line who advised me there was no balance due.
Product: Debt collection

On XX/XX/2018, I make complaint on Consumer Financial bureau complaint website for Wells Fargo Bank ( XXXX ). Wells Fargo Bank continue to put false information on my credit report. I ask Wells Fargo Bank to stop putting false information on my credit report On XX/XX/2018, the complaint was closed because as Marked as a duplicate complaint. Wells Fargo Bank trying use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 1 ) They are putting false information on my credit report. ( 2 ) They do not have wet ink signature that sign contract with them to open up a credit card. ( 3 ) They claim that it was charge off. If the account is charge off, then there should be no balance because they got money from taxes and also charge off debt is worthless and no long able to collect. ( 4 ) The state of limitation have pass and they still are trying to collect. ( 5 ) I send a request for debt validation and unable to give me proper debt validation. ( 6 )  They are trying over charge me fee. I feel that Wells Fargo Bank is trying to take advantage of me because I XXXX male. I feel that discrimination is wrong. I am willing to pay off the debt that you claim I owe if you are will to provide me with the original contract I sign with ink signature. I will have expert document look at contract. Wells Fargo Bank refused to pick a date for us meet in person and have expert document look at the original contract. They still put false information on my credit report, which I think is wrong. The Wells Fargo Bank is still the doing same thing. I am still asking for the same thing. They are still put false information on my credit report. I am requesting Wells Fargo Bank to stop putting false information on my credit report. Deleted this account of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional Acceptance #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute a series of unauthorized fraudulent inquiries listed on my credit report. The inquiries in question have been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX want to bring to your attention that these inquiries were made without my consent or authorization. As a responsible consumer, I regularly monitor my credit report for accuracy and unexpected changes. The Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports, as outlined in Section 611 of the FCRA.
Product: Debt collection

Hello, I am leaving this review about the company because they've harassed me by call me between the hours of XXXX as stated by Washington state law ( code : Wash. Rev. Code 19.16.250 ) that they can't do. Also, they have stated that a confirmation email provided by the company says that I did pay XXXX of the alleged XXXX isn't enough sufficient evidence. They also keep calling me and emailing after I've asked them to stop. Also, they added {$6.00} as interest from them from the initial {$320.00} that they allege that I owe ( which I don't think they're allowed to do ).
Product: Credit reporting

XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate when is NOT, I have asked to delete the information but all other crit report agencies have complied except Experian, some one toll me that if I buy the membership of Experience everything will be resolved, I have complained several times but still the maintain the information. Please help!!
Product: Checking or savings account

Since 2022 im not being abble to use my debit card Visa, all transactions are being rejected. I being calling the bank, chatting and also speaking with my branch about this issue and the answer is always we will send you a new debit card and pin. I have like XXXX debit cards and all have the same issue, transaction declined. Also the last representative told me that my account was frozen for non use, so I was instructed to make a XXXX transfer to unfroze the account. I did that and the problem remains the same. 
My account was locked due " security '' reasons on XX/XX/2022, same date when the issues started. The account was unlocked a couple of weeks before. 
Today XX/XX/XXXX I was chatting by a teammember to fix this issue, they closed 2 of the 4 debit cards I have active, but the problem remains the same