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

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion Credit Bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Credit card

I filed a complaint with the CFPB in XXXX over this issue about the Goldman Sachs and Apple scam and Goldman lied and I have a note after their response in XXXX on the same website that they lied now couple days ago they just paid {$180.00} XXXX for the exact same thing I reported so I'm reporting them again. I don't even know what to ask anymore cause I know it will just be a lie, but we have proof now of my original report in XXXX and I deserve a lot.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor XXXX Colorado XXXX accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with XXXX  and Bonded Adjusted Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus the correct information and they refused to change it back my address I sent in letters and no results since XX/XX/2021 My address is XXXX XXXX XXXX any other address on there shouldnt be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I dont know this company and never had dealings with this company before nor did I give this company my personal information. The company is called Transworld Systems Inc. and they have been reporting on my credit report. Im not sure how this company obtained my personal information but I want them to stop reporting on me without my permission. Please assist me with a solution
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, Ga XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A & B-1 Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( SEE EXHIBIT B-2 Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A, B-1, & B-2 Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I file a fraud charge to the Navy Federal Credit Union in XXXX, Arizona, that appeared on my checking account and I had never been in contact with the merchant. I forget the amount of the fraudulent charge. But I think if was for {$44.00} The person at the credit union I talked to was very efficient and polite. She explained to me my debit card will have to be replaced and for me to destroy the one I had. Instead of waiting for it to be mailed to me, on XX/XX/XXXX, I drove seventeen miles to the Naval Federal Credit Union and requested replacement of my Debit Card. The debit card was replace immediately. I then made a withdrawl from my checking account, and was expecting an automatic deposit of {$320.00} to appear in my account on the XXXX of XXXX for XXXX XXXX. I was also expecting my retirement check for {$3700.00} from XXXX XXXX XXXX XXXX to be deposited into my account on XX/XX/XXXX. I received an email from XXXX XXXX XXXX XXXX that these deposits had been credited to my account. 

The following day I received an email from the XXXX XXXX XXXX XXXX, stating my password had changed successfully. I tried to access my account I entered my password and my account wouldn't accept my password. I also tried my debit card and I received a note that my debit card was frozen for XXXX year. I called the bank and complained about the debit card being frozen for XXXX year and the representative I talked to couldn't correct the problem and she said she has never heared of any Debit card being frozen for a year. I couldn't enter my account.nor could I use my debit card and I had to purchase a few items from XXXX. I made my selections on XXXX and paid for them by using my Naval Credit Union checking account and routing symbol and I didn't use the debit card. 
After I made these purchases in the amount of $ XXXX was notified by XXXX that there was a problem with the payment and I had to use a different payment method. I cancelled the entire order.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on the credit report is fraudulent
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX, XXXX & XX/XX/XXXX. 
XXXX XXXX XXXXXX/XX/XXXX {$210.00} XXXX XXXX XXXX  {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a identity theft with police and asked for these to be removed. i am a XXXX and these accounts doesnt have my full name. These accounts are not mine and i would like them removed.
Product: Mortgage

I have had a mortgage with Wells Fargo for several years. Every month I pay more than the minimum amount. It always applied the additional payment to principal until this Spring. It then started applying the extra amount to later payments, collecting interest in advance and not applying the additional amount to principal. I have written letters, and now with each payment I tell them in writing to apply the extra payment to principal. They finally corrected their errors last month after several phone calls and letters. This month they did it again, even though I included a letter expressing telling them to apply the extra payment to principal. It is clear to me that several months ago it changed its software to misapply extra principal payments so as to collect more interest and so as to reduce principal more slowly than they should. I have had numerous conversations and written communications. They have even written me and said they have not done anything wrong. See the attached letter. It is obvious that this letter makes no sense. It admits being told how to apply the funds, and that they refused to apply the funds to principal. 
I am very familiar, of course, with the fact that Wells Fargo has been caught cheating with regard to opening accounts. This is just another unethical practice. Since it was a change this Spring, and since I now include a letter with each payment telling them exactly what to do and since they refuse to do it unless I spend a lot of time on the phone with them, I am confident that they are extracting small amounts from millions of people. I am also confident that this type of change in the software had to be approved at the very top. XXXX XXXX has to have approved this behavior. It is one type of intentional misconduct after another with this bank, and I have a large position in its stock.
Product: Credit reporting, credit repair services, or other personal consumer reports

Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.
Product: Checking or savings account

Brigit is an app that offers advance payments. I enrolled in a subscription quite some time ago. I have since cancelled the service, I even received a settlement from them as they were recently sued. As of XX/XX/2024, they have been endlessly charging my account {$5.00} which did not have enough money to cover the charge. I have now received an overdraft fee from my bank as they have tried to pull from my account so many times. I have gotten over 15 notifications from my bank that they are trying to pull this money. I have emailed and reached out to Brigit multiple times without response. I have even included pictures, dates, and facts. My last payment was XX/XX/2024, which I cancelled the subscription after that date. I am unsure why I was not billed for XXXX and now they are suddenly trying to charge me again.
Product: Checking or savings account

Navy Federal is responsible for holding my XXXX  payments when the money should be available instantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian regarding inaccuracies in my credit file and still nothing has been done. XXXX XXXX XXXX XXXX is listing an account incorrectly. Account number XXXX. While the statute of limitations for this debt have expired in my state, the information is not accurate and there are discrepancies. An entire year of payment history is missing from XXXX of which the account was opened. The first delinquent payment was not until XXXX, as such, 7 years from the date of first delinquency would mean this account should be removed from my credit file in XXXX of XXXX and they are continuing the account listing it until XXXX of XXXX. I have expressed to Experian that due to the on time payments missing and an entire year of data missing from my file this is a defamation of character and a major inaccurate reporting of my credit. This huge error and discrepancy along with this taking longer than the 30 days should result in deletion of this credit line in my credit file. I have constantly checked the experian site and it just has nothing but issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.
Product: Student loan

NaviRefi I inquired today about applying an extra lump sum payment all to principal, what I needed to do, include, and how to send that in writing ( as previously believed this was always the process that had to be taken in order to have money applied as I wished ). The account is up to date and in auto pay. I asked via the online chat and his response was that I couldn't ever do this. That interest accrues every minute and that I will always owe interest therefore any payment would always apply to the interest first. I brought up specifically my account, being in auto pay and up to date- he still said that I could never have all the payment go to principal. Then looking back at my XX/XX/2022 lump sum payment to them of {$1000.00}, they did indeed apply the first {$300.00} to interest rather than to my principal. The payment is due on the 11th, that is when my auto pay pulls & I made that lump sum payment on the 11th as well. So I'm not understanding how my account would have accrued that much interest on the same day the payment was due and made.
Product: Mortgage

XXXX XXXX XXXX hold my mortgage currently and have a current lien on my properly for the total amount of {$200000.00} : XXXX XXXX : acct. # XXXX XXXX XXXX XXXX . 
XXXX, CO XXXX I am a senior citizen and own my home here since XXXX. Beginning in XXXX, a 3rd party, XXXX  XXXX , representing XXXX XXXX XXXX XXXX XXXX has demanded I wire his company {$72000.00} IMMEDIATELY OR HE WILL FORECLOSE ON MY HOME ON XXXX XXXX. He has added interest in the amount of {$5400.00} to the {$67000.00}. THAT XXXX/XXXX STATES TODAY THEY STILL SERVICE UNDER THE ABOVE ACCT. #. 
{$140000.00} + {$67000.00}. = {$200000.00} -- THE VERY CURRNT BALANCE OF THEIR LIEN. 
XXXX of FIRST AMERICAN XXXX, LLC continues to HARASS & THREATEN ME to " wire {$72000.00} TO STOP IMMEDIATE FORECLOSE OF ( MY HOME ) XXXX XXXX XXXX XXXX, CO XXXX. '' XXXX/XXXX/XXXX advises me NOT TO PAY HIM & TO CONTACT XXXX. Please contact me ASAP : My direct contact info is : XXXX ( BEST ) XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax, and XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX, Equifax, and XXXX consistently responds within 24 hours stating that the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Equifax, and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation Account names I am requesting to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX incorrectly adjudged that I have not returned the equipment and they sent my account to a debt collection agency called XXXX. After receiving a notice from XXXX, I disputed the debt and showed the proof that I returned the equipment. Following my dispute, a complaint was created by XXXX and the complaint number is XXXX. Subsequently, they investigated and decided to close my account. The account was closed in XX/XX/XXXX. To my surprise, I got a debt collection notice for the same issue on XX/XX/XXXX. This time its from a different collection agency called IC System. This is a harrasment. Different collection agencies sending mails on a debt that was already settled long time ago.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$12000.00}.
Product: Credit card

in XXXX 2015, jcpenny used my credit without my consent, this is not the first time I have filed a previous report. Jcpenny only address the partial concern. Instead of the company taken only both inquires off, they only took XXXX inquiry off that still show up on my credit report and that is the inquiry on XXXX XXXX, 2015, from Transunion credit report. I asked the company twice to take the inquires off, and I states to them that it was XXXX of them, it has been pass the 60 days, and I am no longer waiting on another 60 days for the company to take the second inquiry off. I have every right to file another complaint.The company should have taken this very seriously when I file a compliant.
Product: Credit card or prepaid card

I had a text message that my new Bank of America card was being sent to me within XXXX days. I checked my credit report and it showed a inquiry was made on my credit by bank of america on XXXX XXXX. I called Bank of America fraud department and inquired if an account was opened and they said there was but as of XX/XX/2023 no activity had been shown. They put a stop on the card and will monitor for the next 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 -late