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

I sent a letter out in XX/XX/2022 to XXXX, Transunion, and XXXX. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Subject : Request for Credit Report Correction Victim of XXXX XXXX and Identity Theft Complaint Details : I am submitting this complaint against [ Credit Reporting Agency/Collection Agency ] for failing to correct fraudulent and inaccurate information on my credit report. I am a victim of labor trafficking and identity theft, and despite providing extensive documentation, my requests for corrections and fraud alerts have been ignored.

Issues : Identity Theft & Fraudulent Accounts Fraudulent accounts were opened in my name after my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle.

My identity was further compromised due to a data breach at XXXX & XXXX, exposing my personal information to fraudsters. 
I have provided FTC Identity Theft Reports, a police report, and an FCRA Section 605C Self-Attestation, yet the credit bureaus have failed to block these fraudulent accounts as required by 15 U.S.C. 1681c-2. 
XXXX XXXX & Unauthorized Accounts From XX/XX/XXXX to XX/XX/XXXX, I was a victim of XXXX XXXX  and forced to work without pay. During this period, multiple accounts were fraudulently opened in my name without my knowledge or consent. 
Failure to Properly Investigate Disputes The credit bureaus have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Despite multiple requests, they have not updated or removed inaccurate personal information, including outdated addresses and employer records, violating 15 U.S.C. 1681b ( g ) and 1681s-2.

Failure to Protect Personal Information Even after requesting fraud alerts and security freezes, my information remains compromised.

The bureaus failure to safeguard my data is a violation of 15 U.S.C. 1681b ( g ).
Product: Mortgage

I was under Chapter XXXX bankruptcy until earlier this year I had to pay a lump sum to ensure my mortgage was caught up going forward which left me with a surplus on my mortgage account during the months of XXXX and XXXX my mortgage was transferred to a different mortgage company and no one would take my payments due to having had been in chapter XXXX. I tried thru several methods to clear this up but I could not see a statement or speak with anyone at phh mortgage company, I submitted thru money transfer made two payments to phh in XXXX one was for XXXX one was for XXXX and I made the XXXX payment at the end of XXXX the company never applied suspension money to my account that were due on the account and reported that I have a late XXXX payment. Due to the way that they applied the funds that was clearly in my account was not acceptable and they held my money without informing me that it was not applied to my account again I had no statement.
Product: Debt collection

To Whom It May Concern, Im filling this complaints against this company CREDENCE RESOURCE Management due to the facts they reported inaccurate information to the credit bureaus claimed I owned them money XXXX from Original creditor : XXXX XXXX XXXX for the record I never done any business with XXXX XXXX XXXX in the first place. Last year the same charged appears on my credit files from a different collection agency by the name of XXXX XXXX XXXX XXXX I hired a law firm to get it deleted whomever kept selling this fraudulent debt will end up paying a big price this time my Lawyer is aware of the situation. I give CREDENCE RESOURCE Management 72 hours to get this fraudulent debt to be deleted from all 3 credit bureaus. I filed a police report against this company for Identity theft with the XXXX Police department case number # XXXX a complaint has been submitted to the Attorney General office in the state of Florida regarding this matter to investigate CREDENCE RESOURCE Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX of 2021. I have an inquiry in XXXX XXXX Texas. I have never been there and i would like to solve this problem because it wasnt me who tried to do something with my credit account
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate credit reporting related to my XXXX XXXX XXXX account, Account Number XXXX. The account was last updated by XXXX on XX/XX/year> and by Experian on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by XXXX XXXX to confirm the accuracy of the reporting. 
I have disputed this information with XXXX and Experian, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both XXXX and Experian, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Experian : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.
Product: Student loan

I have been declared completely XXXX and have been cleared to have my student loans discharged. Ascendium Education Group garnished over 1,300 $ from my XXXX while i was in the process of getting this done. They refunded XXXX $ of the money they took but are refusing to refund the rest of my funds. I have contacted them several times to no avail.
Product: Debt collection

In reviewing my credit report I found items from a debt collector. I didnt recognize this company because I have never done business with them.
Product: Checking or savings account

On XXXX XXXX two checks were deposited into my account. One for {$32000.00} and the other for {$22000.00}. Chase Bank placed a 7-day security hold on them to clear. The day before the checks cleared, Chase restricted my account. They demanded I call to verify. After trying to resolve the restriction multiple times, I was informed that my account would be closed and that I would not be able to receive my funds, even after the checks were verified and cleared. The only reason that they gave me was because they couldnt contact the buyer or verify his contact information over the phone. The supervisor I spoke to, XXXX, refused to mail me a written statement, and briefly went over some information that he refused to repeat after he stated that hed only give me this information verbally, I was verbally insulted and rudely dismissed. After which he hung up in my face. XXXX Was not professional at all and never had a clear reason on why my account was restricted in the first place. Would not recommend or want to bank with them again even after this problem is resolved.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

Best Regards Your name
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

This has reference to the purchase ( NOT rented ) of a sofa from XXXX XXXX XXXX in XXXX, NC. The actual cost of the sofa was {$1400.00}. 

Although I was ready to pay the full amount the sales person recommended and encouraged me to go for the financing option with their financing partner American First Finance ( which is located in XXXX, TX ). 

Account number for the purchase is XXXX. 

I was asked to provide the bank account number and routing number. Without knowing the credibility of the financing company, trusting them I shared the details. I agreed upon for a weekly payment of {$48.00} per week. 

The date of purchase was on XX/XX/2018. Sometimes in XXXX I survived a major XXXX XXXX and as a result could not track the transactions of my bank account. 

Recently I received a letter from the financing company that I owe them {$0.00}. I was taken by surprise since already I have authorized them to pull the money ( an amount of {$1400.00} for the product I purchased ) from my bank account. 

When called the customer service I was totally shocked ( from which am still trying to recover ) to  understand that they have taken an amount of {$3900.00} ( an excess of {$2500.00} ). 

All my efforts to convince them for refund of {$2500.00} was in vain. 

When it was clearly mentioned that I wanted to purchase they treated it as a rental agreement and I was trapped. 

Since the day of purchase so far never I received any courtesy reminder letters nor phone calls nor any type of communication ( except for the {$0.00} ) which clearly indicates their intention. 

Please find some of the documents I have attached regarding this business. 

After this experience when I went through the reviews about the financing company only to note that many like me suffered as well. 

Best Regards XXXX XXXX ( XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was sitting on my bed checking my bank account with Bank of America around XXXX XXXX, and I watched my balance change from {$200.00} down to {$95.00} then to {$33.00} and some change, without me making not one transaction or withdawals, And they don't even give a company or merchants name or what was purchased or what kind or transaction that was done. Dedit card from Bof A number is XXXX XXXX XXXX XXXX exp. XX/XX/XXXX My name is XXXX XXXX XXXX owner of the account! And my card is not missing because I have the only one in my possession. Could you please take a look at my account and have the bank reimburse my account with the {$60.00} they just took for no reason, and im not even out making transactions this morning
Product: Mortgage

We recently purchased a home from Colina XXXX  in XXXX, Texas. Originally when we contracted on the new home Colina offered us {$6500.00} in builder credits if we used Colina Mortgage. Once we were with in 60 days of the construction being completed we started to work with Colina Mortgage. Colina Mortgage came back with a high interest rate of 3.4 % when other lenders where offering 2.99 %. The Colina Mortgage Rep said we could use the builder credits to buy down the points. Which would use all of the builder credits making it pointless. I then found another lender and informed Colina that I would not use their mortgage company at that point the pulled all the builder credits and would not pay any of the fees at closing. At the same time they demanded that we use their Title company and would not allow me to choose my own title company even though I was paying all the fees. See attached emails. Their VP of Sales also emailed and stated that they do not fall under RESPA guidelines because they dont use TREC documents. This caused more delays with their title company and more cost incurred by myself and they also delayed the completion of the home.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against TransUnion, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as TransUnion 's, inaction violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my account with moneylion and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as Monwylion is reporting on all 3 major credit bureaus.
Product: Student loan

On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX through their email address " XXXXXXXXXXXX '' inquiring about how they came to be the servicer of my loan when I was not disabled, had never alleged I was disabled, had no knowledge of anyone who would report me to be disabled. I asked them for the name of the agent who reported to them that I was disabled. 

I also informed them that while I had received a notice of transfer of servicing from XXXX to Nelnet in a letter dated XX/XX/XXXX, I never received any notice of transfer from Nelnet. 

I did receive a notice of a change in account number from Nelnet dated XX/XX/XXXX, however, according to the record on Federal Student Aid NSLDS that I just recently found, Nelnet was reportedly the servicer since XX/XX/XXXX, while I had been making monthly payments to XXXX since XXXX until XXXX. This could explain why my balance did n't go down. 

I also reported to Nelnet that I did not receive a XXXX for XX/XX/XXXX or any statements at all for XXXX or XXXX of XX/XX/XXXX. I am about to file my XX/XX/XXXX taxes and need the form. 

I received a letter yesterday ( XX/XX/XXXX ) dated XX/XX/XXXX which simply enclosed a copy of my consolidated promissory note, and a note " Just know that we 're here for you when you need us ''. This is not very helpful. Finally, the consolidated promissory note they enclosed is being disputed because the underlying loans that XXXX XXXX XXXX, XXXX consolidated, were not known to me and XXXX the guarantor has not been able to provide me with any loan documents of them.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ Name of Creditor ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # xxx-xx-XXXX  RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX I contacted XXXX   XXXX XXXX  XXXX  XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my XXXX  credit report ... attached are my credit report from 2 XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When downloading my first report ( Experian ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to Experian in order to save, not print, my reports. Great! free sign up BUT only for Experian, not XXXX or XXXX. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm the information shown in thIS collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account is still open. I am no longer indebted to this company or its practices. 


XXXX XXXX
Product: Debt collection

This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
Product: Debt collection

on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told th at I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.