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

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX across the XXXX credit bureaus ( XXXX, Equifax, and XXXX ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : Military Star Account Number : [ Insert Account Number ] Discrepancies Identified Across Credit Reports : 1. Account Balance : XXXX & XXXX : {$5400.00} Equifax : {$5300.00} Discrepancy : Conflicting balances across credit bureaus.

2. Date of Last Activity : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Discrepancy : The conflicting dates indicate inaccurate and inconsistent reporting.

3. Last Payment Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Not reported. 
Discrepancy : Inconsistent last payment dates among bureaus.

4. Payment Status : XXXX XXXX XXXX : Collection/Chargeoff Equifax : Late XXXX  Days Discrepancy : Differing payment statuses create confusion about the true state of the account.

5. Dispute Status : XXXX & XXXX : Account not disputed Equifax : Consumer disputes- reinvestigation in progress Discrepancy : Conflicting information on whether or not the account is currently disputed.

6. Credit Limit : All three bureaus report a credit limit of {$3600.00}, yet the high balance exceeds this limit, raising questions about the accuracy of reporting.

Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with.

Their business address, name, and phone number.

3. Documentation proving the validity of the account balance, payment history, and charge-off status.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Falsely reporting payment activity and account status.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 


Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.
Product: Mortgage

I have recently filed a complaint to the morgage company pertaining to a request to reconsider repayment plan of back morgage payments due to long Covid forbearance. My first two request was for a payment of over {$2500.00}, which is far beyond what I could pay with my salary and bills ( which include student loans ). On the XXXX of XX/XX/year>, someone called for the Ombudsman Department called multiple times in the morning, I called back and told them that I would call back after my meetings, I did so that day and left a message. I called again Monday the XXXX and left another message, and again Tuesday. I called the regular mortgage company number and got a rep on the line, told the that I was calling back all week. After talking to them they said that I had no other options if I could not make the payments that they sent in the agreement, and my only options was short sale or deed in lieu of foreclosure and told me that they could take that application over the phone. I told them I would have to think about this. Within a 15 minute period after the call I received a notice of response to the CFPB stating that there was a request to have investors of the loan consider my request. ( Update ) On XX/XX/year> I received a notice that i have withdrawn from assistance, I did not know of a request to the investor for an exception, or this being an option. The letter that was sent to CFPB was sent right after I called Select Portfolio Servicing, and they told me that I either had to take to payment or I could short sale or deed in lieu of foreclosure, there was no other option according to the rep. I feel that i was deceived into believing there was no other option.
Product: Debt collection

Applied for a mortgage. The lender stated that I need to settle the medical debts on my credit report. Called the hospital and spoke with the business office they said those debts were not in their system and it may be for XXXX XXXXXXXX XXXX XXXXXXXX. They gave me the number XXXX. I called this company. They could not find any debt in their system. I pulled my credit report, and it states AR Resources. I called AR Resources in FL being that the one in PA was not answering the phone. 
When I called the FL AR Resources, they also could not find any record of my debt. They then gave me a number to a lawyer to contact. Florida AR Resources stated that the PA office is not affiliated with them, and this was fraud to try and collect debt under their company 's name. I contacted the lawyer from XXXX FL. XXXX XXXX phone number XXXX XXXX XXXX. He told me to contact an attorney that specializes in fdcpa cases, and I can sue the PA company for fraud, collecting a debt under a wrong name.

I am requesting all debt be removed from all reports so I may purchase a home. This has been very frustrating and time consuming.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Central Financial COntrol/syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial COntrol/syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Checking or savings account

I took out a {$10000.00} loan on a legal settlement check that I have coming to purchase a camper and extended warranty for my vehicle. The funds were deposited from XXXX XXXX on XX/XX/2024. The funds were held for several days but then became available and transactions were coming out with no issue. On Monday XX/XX/2024, I went to the bank in Indiana which is 4 hours from my house because I didn't realize there wasn't a local bank when I opened the account. Since I didn't have my ATM card, I took my ID just so I could get my cash. When I showed up, I was told that they would not give me my money. I was never notified in any way shape or form that there was a problem and that I should not be able to expect my money before driving 4 hours there and 4 hours back. I still have nothing in my hand showing that there is a problem or what the problem is. I was told that I will be getting a letter in the mail. In the meantime I have over XXXX sitting in the account with no access to it. I might lose my campsite, they might come take my camper away, and I already lost the opportunity for a lower cost extended warranty because I have over XXXX miles on my car. Had I purchased it before I made that trip to get the money and prior to putting all those extra miles on the car, I could have got 48 months coverage. It will be over XXXX miles by the time this is settled, so I'll only be able to get 36 months and it'll cost me another {$700.00} on top of that. I had to borrow gas money to get to Indiana and back so I have to pay fees associated with borrowing the money. My money from the settlement is going to be available before this money so there's no reason for me to have had to pay an extra {$1900.00} in fees to get my money ahead of time when I didn't get it ahead of time because of the bank. My attorney cut a check yesterday to pay off XXXX XXXX for the whole loan amount. They will be paid before I will. They sent my check priority mail to me yesterday so I will have that in hand. Now I'm locked out of my online banking as well so I can't even check on the status of my funding.
Product: Checking or savings account

Last Tuesday I was notified that Chime had detected suspicious activity with my account via email. Since they did not detail what the activity was, I called and was told after talking to multiple agents and supervisors that there was a pandemic payment assistance program ( something I had no knowledge of, and had never participated in ) was trying to make a deposit into the account. 

They subsequently locked, suspended and closed my account within the span of less than XXXX hours. I was then told that none of the funds I had already in the account would be returned to me. This has caused me a huge amount of distress not only because I had {$1000.00} in my savings ( now closed and unable to be accessed ) but my payroll check this week was also disrupted and now I am unsure as to whether I will receive it now at all. 

Chime has also stopped answering phone calls and they are no longer communicating by email, so I have no way of knowing what is going on or what the status of this issue is. They continually refuse to communicate and when I was able to talk to someone at the beginning, I was sent on a never ending circle of hearing the same thing- no help is offered. there is nothing they can do, etc. 

I would like all of my funds to be returned to me whether that is by Chime unlocking the account, or by sending me a check in an expedited manner. All of the funds that were in there are funds I had personally worked hard to save over the last few months starting a new job. I am now stuck with no way to buy gas or groceries or pay my bills due to this action by Chime. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, opportunity financial, XXXX XXXX has Inaccurate and different information across the three bureaus XXXX, XXXX and XXXX I want these account to be remove off my credit report.
Product: Credit reporting or other personal consumer reports

Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. Experian, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for Experian to verify in collection accouunt information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for Experian to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a specific entry on my credit report. Under federal regulations, particularly 15 U.S. Code 1681i, credit reporting agencies are mandated to conduct a comprehensive reexamination when there is a dispute concerning the accuracy or completeness of an item on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am extremely upset with Equifax. i have not heard back from my dispute in regards to the response to an investigative report. I have sent in two XX/XX/2021 and XX/XX/2021 dispute letters. i checked my consumer report and equifax has failed to do their duty and complete my dispute/ investigative consumer report 15 usc 1692e ( 8 ) failed to state that i disputed accounts is also violation. as i am currently viewing my consumer report i noticed that the items in which i have disputed one have not been noted that i have disputed them. which is a clear indication that Equifax has not do their job to complete or do my investigation on my consumer report. items are state that they are verified and i wonder how. based on the definition of an investigative consumer report " However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. how can something be considered verified when factual information can not be on an consumer report obtained directly from a creditor of the consumer which i am the consumer. also, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. well my friends or associates did not have any interviews with the consumer reporting agency. my credit worthiness is not defined its my mode of living, general reputation and personal character tics. I am upset that equifax is not telling the truth and reporting items on my report that i did not provide written instructions to do so. 
there are inquiries listed on my consumer report that is not a firm offer of credit or insurance, 15 us code 1682 ( c ) ( 1 ) ( a ) ( i ) ( 3 )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/2019 I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. 

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I XXXX XXXX the one who's credit is at question, wrote Equifax about a violation of the United States Code Law. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports To date, I have not received a reply or any acknowledgment that the deletion has begun. Please see my reasons for dispute below : 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. XXXX XXXX Account # XXXX As a consumer by law, this account listed must be deleted immediately. There is NO Third Party involved. I authorized XXXX  to investigate 2 times already, however there is nothing to investigate.
Product: Debt collection

i had numerous phone calls asking my name and to verify my personal information with out them identifying who they are. they dont identify themselves as a person or from which company. all they say when i pick up is may i speak to me and it is regarding a buisness matter and when i ask who is this they dont confirm who they are i keep getting several of these calls in a day and throughout the week i believe that it could be from midland credit managment they are the only known ones that have been contacting me with mail about payment plans
Product: Checking or savings account

On XX/XX/XXXX, Credit Karma locked both my save and spend accounts due to a duplicate deposit that was issued in error from another institution while using the Credit Karma app.

At the request of Credit Karma, I contacted the other institution and they had me submit paperwork to reverse the duplicate transaction ; credit karma then locked both of my accounts, sent a generic email to me on XX/XX/XXXX requesting documentation ( which I immediately provided same day ) and daily calls and chats since have resulted in no further contact from their special higher department.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against for committing identity theft. I have never CITIZENS PAY CREDIT XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt CITIZENS PAY CREDIT XXXX. and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XXXX, I have not received documentary evidence, such as a trilateral contract, XXXX XXXX XXXX any right to collect on this alleged debt. 

I have never received any documentation requesting validation from Citizens Pay Credit Line, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Citizens Pay Credit XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continue its collection efforts, I will file for litigation for actual damages caused and CITIZENS PAY CREDIT XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT - XXXX
Product: Debt collection

XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1900.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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, 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: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Huntington Bank performed our annual Escrow Account Analysis and determined an escrow shortage of {$2900.00} for the year. Escrow estimates made by Huntington underestimated costs for both our home insurance and county property tax. A financial institution who handles thousands of mortgages should have better systems to estimates these amounts. A call was made to Huntington to discuss our options. They suggested the shortage from the previous year can be added to payments for the following year or spread out over a longer period. It feels predatory that a bank can take escrow, grossly underestimate amount of escrow needed, then pass on their mistake to the consumer.