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

I am writing to report inaccuracies in my credit report, specifically in relation to my dealings with TransUnion. On XXXX I contacted TransUnion regarding incorrect information on my credit report. To date, I have not received a response. The following are the details of the inaccurate information and the required corrections : The following account was never late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not accurate, as I recall the balance being lower. I dispute the entire account and request the verification of the following dates : Date Opened and Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I do not have any contract with the collection agency that has been reported. The balance of {$2200.00} is inaccurate, as I believe it should be lower. Furthermore, the reported balance is higher than the High Balance on the same account, indicating an inaccuracy in your reporting. I dispute the entire account and request the verification of the following dates : Date Opened and Date of First Delinquency.
Product: Credit reporting

TransUnion ( TU ) is NOT providing electronic copies of credit reports via www.annualcreditreport.com. XXXX & XXXX process reqeusts correctly & generate immediate electronic credit reports. TU generates an error message. If customers submit email documenting error to www.annualcreditreport.com, TU claims to mail a paper copy to customer, but is NOT willing to make requested electronic version available. I do not want a paper copy, as I want an electronic report for my records. 

Please advise whether CFPB is able to force TU to provide requested electronic report, as I believe is intended by www.annualcreditreport.com. 

Thank you.
Product: Credit reporting

The account below was just readied to my credit report for the third time. For some reason XXXX keeps adding accounts that have been deleted atleast once every two months. they have given me a XXXX for this debt. I have to prove again this should not be on credit report. And they continue to change the account number. 

Name : XXXX XXXX XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$19000.00} Past Due : {$19000.00} Acct Status : CHARGE-OFF Show Details They also have a lot of inquiries that I continue to dispute. I did not approve of companies getting my credit report.
Product: Checking or savings account

My company 's 401k account is administered by Wells Fargo Retirement Services. Neither account holders, the Company, branch personnel nor Wells Fargo Executive Office can reach a person in Retirement Services. All we get is being on hold listening to music infinitum from XXXX EST to XXXX EST. Neither the Executive Office or branch reps have a name of who is over Retirement Services. 
I'm XXXX years old, wanting to retire at year end and have to watch my account fall each day & not access my account.
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. Furthermore, I refer you to the case of " XXXX XXXX TransUnion Corp. '', XXXX XXXX XXXX XXXX XXXX, where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Product: Credit card

on my credit report I have a ccb/ultra master card opened XX/XX/year> with a {$520.00} balance. that I DID NOT AUTHORIZE when I noticed this, I called CCB reported the card as fraud, the agent I spoke with last month verified it was fraud said the account would be closed and marked as fraud and removed from my credit report, I refreshed my report today and the CCB/ULTA master card Is still on my report so I called back and was told they would need to investigate and this could take 3 months to be investigated and corrected on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX through XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) approved me for COVID-19 Forbearance Plans of which I received assistance from the CFPB in the latter part of XXXX that led to COVID-19 Forbearance Extensions. 

With the assistance of the CFPB, XXXX approved me for a Trial Period Modification in the amount of {$430.00} for for the months of XXXX, XXXX and XX/XX/XXXX. All Trial Period Payments were made on time and as a result ; XXXX approved me for a Permanent Modification in the amount of {$420.00} of which XXXX scheduled the first Permanent Modification Payment to be withdrawn from my Checking Account on XX/XX/XXXX ( the {$420.00} payment posted on XX/XX/XXXX as XXXX Confirmation Number : XXXX ). 

On XX/XX/XXXX, I received a Credit Report Alert that my Credit Score decreased by XXXX Points. Upon review of my Credit Report ; XXXX reported on XX/XX/XXXX that my SLS Account was 120 Days Late in the amount of {$3900.00} with the Date of Last payment listed as XX/XX/XXXX. 

On XX/XX/XXXX, I made multiple telephone calls to XXXX in an attempt to speak to someone that could correct the negative credit reporting that XXXX  placed in my Credit File/Credit Report. The XXXX XXXX repeatedly informed me that their Telephone Representatives were receiving large volumes of calls, that they were experiencing technical issues and to try calling back in 30 minutes while they resolved the issues. Each time I called back I was unable to speak to a Representative and was given the same message to call back in 30 minutes. 

After not being able to get through to XXXX Representatives by telephone ; I sent a message to the XXXX XXXX XXXX XXXX describing the negative credit reporting thaXXXX XXXX placed on my Credit Report/Credit File, but have not received a response from XXXX. My XXXX Account is not delinquent, and is not 120 Days Late as XXXX has reported in my Credit Report/Credit File. I am currently in a Permanent Modification Status with XXXX  and have not been late in making any of my Trial Period Modification and Permanent Modification Payments. 

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

Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX Original creditor : XXXX XXXX IN COMPANY HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from XXXX XXXX. 18 Years XXXX XXXX already collected as much as possible & added me to collection years ago for this loan. XXXX XXXX had the audacity to sell this account to a creditor that I had no clue existed, by the name of Cavalry SPV I , LLC. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is 18 years ago! This account was closed over 15/18 years ago. Its a dead account! XXXX XXXX says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after 4 years, little the less after 18years! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home with a solar loan in XXXX XXXX. There was an exciting solar loan with XXXX, which became Goodleap ; that I applied to transfer over to my name. Goodleap and the escrow company did not due diligence on the paperwork and did not record the transfer of sale until XX/XX/XXXX. I received an email regarding the transfer and when we could start making payments. I set up a payment plan with the company Goodleap starting XXXX XXXX. At that time I was given an account number and the payment schedule. I have made payments on time since without any late payments. Recently, I discovered that I had been reported to the credit bureaus as having late payments since XX/XX/XXXX including XX/XX/XXXX and XX/XX/XXXX. I have made reports with the credit bureaus. In additon, I tried to correct the issue with Goodleap which has not responded to any of my attempt at solving this issue to correct the credit reporting on my behalf. 

Since the purchase of the home, I have made numerous attempts to pay Goodleap. Goodleap representatives kept telling me I had no account or loan with their company. I went as far as contacting the seller of the property to get information about who to contact to pay the solar company, to no avail. 

Ever since the payment plan had been agreed to with Goodleap, they began harassing us through text messages and calls stating that we are delinquent in our payments. I sent an email and spoke to several representatives regarding the harassment and asked them to stop as I had been current on my loan. The texts and calls and harassment continued. After emailing the representative regarding the harassment she told me that the payment plan we agreed to was not being honored. I was never contacted or informed that the company Goodleap was not honoring the payment plan agreed to. I have been informed that this practice is unlawful.
Product: Debt collection

Iam requesting that you update my credit because its showing that this loan is over 180 days past due and I did not ask to be set up on a payment plan. Myself and XXXX XXXX are divorced and per our divorce decree he was awarded this foreclosed property. If you look on the XXXX XXXX records this property is owned by another person. This property was in foreclosure 2019 and again another person purchased this property illegally. Update my credit file to reflect I am not 180 days late because I never set up payment arrangements to get this loan back current. Cause # XXXX XXXX was illegally purchased after 2019 forclosure the deed is not in my name anymore. Rushmore Mortgage is revolving this debt on my credit every month fully aware that the property has another owner. I did not set up a payment plan. please investigate. I was recently diagnosed with a XXXX XXXX this is extremely stressful and I have XXXX small children to take care of. I am on full ssa. I have proof that I can provide as well regarding the lawsuit.
Product: Debt collection

I've have disputed this account with Franklin Collections Services last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see XXXX bought this debt from Franklin Collection Services from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.
Product: Checking or savings account

On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. 


XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, Experian and XXXX  with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Product: Checking or savings account

ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021. 
Today XX/XX/2021, still waiting for the so called specialist to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency 1 ) did not advise me of the results within the required time frame ; 2 ) provided no proof of validity ; 3 ) ignored my communication regarding fraudulent use of my credit.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/XXXX with XXXX and XXXX due to a negative mark on my credit report. I've filed several complaints. from XXXX of XXXX all with no response. last Dispute was XX/XX/XXXX last phone call to the credit bureau was XX/XX/XXXX. in ref to Jefferson Capital System {$910.00} both amount and time frame are incorrect its past the 7 yr mark.
Product: Credit reporting or other personal consumer reports

Carmax ran my credit without my approval! I have never lived at the address pertaining to this inquiry which means this credit inquiry is fraudulent!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

30 days should be enough time to get back with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A loan application was made through XXXX lenders. Which I've now learned is Fifth Third Bank National Association, XXXX Program. During an internet search I'd found information leading me to your agency. It referenced a lawsuit being filed on behalf of consumers against Fifth Third Bank for hostile lending practices. Case : 1:20-cv-01683 Filed : XX/XX/XXXX. On or about late XXXX early XX/XX/XXXX I'd contacted XXXX  XXXX  XXXX, NY for replacement windows. During the initial meeting and rough measure, the salesman did an application for credit. It been a couple of months and I started to be billed by XXXX. I contacted them and asked why I was receiving billing statements? XXXX of XXXX hadn't even done the final measure on my windows. XXXX assured me this wasn't uncommon and I didn't want a record of late payments. So, I agreed to make the first few payments in good faith. This was before I learned what had happened at XXXX XXXX, NY. The entire branch in XXXX had left no one was employed for approximately two months after my initial appointment. They've are no longer an installer and are now service only. I never received windows nor do I want them. I never authorized any transactions be made using the XXXX " Shopping Pass. Yet, XXXX continues to bill me and now send Past Due Notice. The last dated XX/XX/XXXX threatening to report me to consumer credit agencies. I've filed complaints with the XXXX  and XXXX Attorney General 's Office. XXXX refuses to acknowledge my request even though they've been informed I don't have windows. I received letter from XXXX  informing me Champion XXXX, NY is no longer an installer and is a Service Only Branch.
Product: Money transfer, virtual currency, or money service

I was trying to link my account to my XXXX Account and PNC is not allowing this connection for whatever reason.
Product: Credit card or prepaid card

XX/XX/XXXX Citi card avises by email of attempts to log into account. 

Email directs cardholder to follow link to reset password. 

Followed link and after 3 screens asked to call Citi by phone. 

Called and 3 different offices could not issue the verification code.

We have the screen shots recorded and will attach the file if your web process allows us to. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection at ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did apply for error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E.Theses action have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the inquiries listed below are still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as its verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiries below in my file XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX ( XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.