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

In XXXX of XXXX  my credit was frozen with all three credit bureaus ; XXXX, XXXX and TransUnion. I did not unfreeze my credit. 
TransUnion allowed a loan to be put on my credit report with them in XX/XX/2022 by a Dividend Finance using a forged DocuSign document created through identity theft. 
I have notified TransUnion multiple times over the past year despite their webpage not functioning up to the standard the law sets for Credit Reporting Agencies. They were made aware of this security issue and the failure of TransUnion to maintain my security freeze and also allow for someone to use my personal information to place a loan illegally and fraudulently through identity theft.

TransUnion did not maintain my security freeze. TransUnion allowed a forged DocuSign document to continue to repeatedly report a fraudulent loan on my TransUnion report despite being notified of the fraud. TransUnion still is reporting the fraudulent loan on my TransUnion credit report despite being notified multiple times, through multiple ways, that the loan is fraudulent and never should have gone on my TransUnion report during a time of security freeze. 
TransUnion actively chose to repeatedly break the law. 
TransUnion 's website ( webpage ) still does not function. 
TransUnion has repeatedly placed a loan on my TransUnion credit report that they know : 1 ) was created when my credit with TransUnion was supposed to be frozen.

2 ) was created using a forged DocuSign document 3 ) was created via identity theft 4 ) TransUnion does not maintain a functioning webpage where a consumer ( myself ) can manage disputes, fraud reports, security freezes, consumer statements or anything legally required of them.
Product: Debt collection

Sentry recover inc account number XXXX This is not my account nor my social listen on the lease .. DELETE OFF OF MY CREDIT REPORT ASAP .15. U.S.C 1692C If a consumer notify a debt collector. That the consumer refuses to pay a debt. The debt collector must cease all communication. UCC
Product: Debt collection

This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX as a result of not being my debt. The account balance of the debt is {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account that was opened about XX/XX/XXXX when i found out it was XX/XX/XXXX and i closed it i talked with XXXX at XXXX fraud department on XX/XX/XXXX and gave them all the info. They called me on XX/XX/XXXX and said they this account was opened over the phone so they are going to continue to report a account they cant verify and that they know is not mine
Product: Debt collection

I called this XXXX XXXX to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was informed weeks ago to remove these inquires and still has not done so. Ive been submitted a request by phone and now Im sending the request now to remove inquiries that i have no knowledge of. Final warning!
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Financed vehicle in XXXXXXXX 
From the hidden fees in contract, enormous interest rate XXXX XXXX XXXX XXXX falsely e-signing my signature, reporting the vehicle " TOTAL LOSS '' in XXXX BEFORE the insurance adjuster came to look at " minor damages '' as he reported! MULTIPLE tickets of not registering for new tags because my title was held by " the company '' with over half dozen requests to issue the title.Paid twice the ACTUAL REPORTED VALUE of the car in XXXXXXXX Denied multiple times for trade- in because " lien XXXX reported on title status since XXXX till present day, nor able to sell when I had a great offer for it! 
Totally scammed over the years & sad to dig all the information up to find out - I worked hard & sacrificed to reveal being taken advantage of in such a manner of illegal business practices!
Product: Checking or savings account

My account was locked as a result of a XXXX payment that I authorized. 
This was only the second time using XXXX for me. 
I called to authorize this, provided my information, and the account was further locked. 
I was told to call a local branch, and when I did they directed me to the XXXX  phone line, which I had already called. 
I called the XXXX  line again, provided my information, and was told there was nothing I could do, except go in person. 
I live in AZ as of XX/XX/XXXX, and moved from XXXX, which is where physical offices existed. 
I have since called a local branch again, provided them with info, validated my account, and still not been granted access to my funds. 
My funds have been kept from me for 23 days and no one has given me an option to help, aside from flying to a brick and mortar bank. 
This is unacceptable and I want access to my funds so I can close my account. 
I have been with Truist since XXXX when it was SunTrust.
Product: Checking or savings account

I have Banking with regions Bank for many years, suddenly when I started having issues depositing my personal money, Bank refused to send me information 's why and where is my money. XXXX, XXXX I made transfer XXXX $ from my unemployment account to my personal regions bank account over night i lost everything. with in week or so regions send me express mail to letting me know they are closing my account Regions stated how they have full rights to close my account with me and refuse to service me. i contact them i chased my lost money i had all proof of money but they refused me and Regions closed my account with out my consent.. I paid off in full My loan with then From XXXX Lean. from them show negative impact on my XXXX credit I was in Regions Bank Personaly I talk to Bankers they Made copy of Paid off loan and Bad reputation from them to my XXXX credit, when I was right with all documents they closed my account Not me. I provided them original documents from my credit from my transfer money and what balance should be. how ever this is used against me when i give them copy what they Have done. They hurt my financial freedom my credit and reputation for future financial comfort. I lost money with them they Turn Against me some how they forwarded my account to collection agencies XXXX m having issue on todays day to stabilize my financial situation Because my Identity has been stolen and compromised for so long to This Agency @ XXXX XXXX XXXX  XXXX suit XXXX XXXX Ohio XXXX XXXX Fraudulently calling me and threaten me with my own Identity. this company have no right to contacting me on behalf of stolen account. I need Help. I need help Please help me. I lost thousands of dollars during the past years by Scammers and fraudulent charges. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/XXXX This credit bureas and XXXX XXXX Claimed the did a investigation but that can't be possible if I never gave written instructions XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 34 % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( FICO Credit Score : XXXX Top 1 % ) Account : XXXX XXXX XXXX Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our 28 ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX FICO score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

XXXX and XXXX XXXX Email : XXXX ; XXXX XXXX
Product: Mortgage

Select Portfolio Servicing Company told me that I owed over {$3000.00} and that I would soon be facing foreclosure even though I was in forbearance and that I had been making my payments. I was very scared. I called XXXX XXXX XXXX  on XX/XX/2022, a conversation which XXXX XXXX XXXX  and partially Select Portfolio Serving recorded. Select Portfolio Servicing tried to explain why I owed so much money etc. I also made a complaint # XXXX. 

Today XX/XX/2022, I called Select Portfolio Servicing and they have completely changed their story. Please listen to their new story which you will find attached. I suddenly only owe {$1200.00} for XXXX and that is only because I was tricked by SPS into ending my forbearance early by SPS ( see complaint # XXXX ). I am not facing foreclosure. Thank goodness except guess what they put me in so much stress. My mother made extra payments to them for no reason and I am very upset that they thought it would be okay to take advantage of anyone like they just tried to. Not to mention to me, a person who is XXXX XXXXXXXX and who was deemed to be too XXXX XXXXXXXX to handle their own check book by the Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Discover Card, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage, car loan, and credit cards do not show on Experian. They are all open accounts and show on XXXX and XXXX but not on Experian. Please update my credit profile to show my open credit accounts.
Product: Mortgage

The white-collar crimes committed by Wells Fargo , XXXX XXXX XXXX XXXX along with the unequivocal stamp of approval by the XXXX XXXX of New Jersey XXXX XXXX , has set a precedence of fraud and deception throughout the state and snuffed us out of our homes and ultimately robbed us of our Due Process of the Law. 

1. In XX/XX/XXXX, I was offered a trial modification with Wells Fargo to begin XX/XX/XXXX, whereby I would call the 1st of every month to make my payment. XX/XX/XXXX, Wells Fargo denied my payment stating that I had unresolved title issues which were never proven. 

2. I received a letter from Wells Fargo dated XX/XX/XXXX, that gave me new mortgage payments to start XX/XX/XXXX. A gentleman showed up at my house on XX/XX/XXXX to inform me that he was the new owner of my house because he purchased it at a Sheriff 's sale on the previous day ( XX/XX/XXXX ). 

3. This sale was vacated on XX/XX/XXXX and the proceedings were never recorded. The Successful Bidder was granted a clear title on XX/XX/XXXX, 9 days before the sale was vacated, but never reversed in the XXXX XXXX XXXX. Because of this title, he sold my property to a friend. 

4. After living in my house for over 50 years and owning it for over 30, I was evicted from my home on XX/XX/XXXX. Seeking restitution for the evil plaguing our communities and justice for all parties affected.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In approximately 2021, Portfolio Recovery Associates , LLC, began calling me repeatedly even after I told the caller to stop calling my telephone number because I did not know of them or whatever names they were also associated with at that time. But, they are still calling all day-everyday.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Update my personal info and delete all unauthorized inquiries
Product: Debt collection

I have received a notice from debt collection company tryign to exhtort me about a debt i do not owe.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX
Product: Mortgage

I suffered hardship due to covid-19 beginning in XXXX of 2020. As well as I was current in XXXX of 2020, therefore met the requirements for a Pandemic forbearance plan. As I became more delinquent I submitted requests for assistance as well as asked about the pendant forbearance plan or some kind of option for Relief and was told there was no relief for me. I have a SPOC, who continued to tell me my only option was to refinance and I would have to come up with 5 to 10 payments to be able to do that or I could have my interest rate raised and my monthly payments raised that's the only way they could help me that's the only modification they could give me. Since then after sending several modification documents and missing documents and complete more documents constantly not being received or being incorrect or any other reason they deemed incomplete or rejected. XXXX XXXX, MY 4TH SPOC, is that person who continually told me I didn't qualify for a forbearance plan. After getting the door notice with no attached documents to send back for any kind of assistance, letter stated they would be attached but were not, I reached out to XXXX XXXX once again. Not only was I able to finally utilize a forbearance plan because sure enough I did qualify. How is it that I didn't qualify when I first suffered my hardship but now all the sudden I do qualify? there's only three four months left if they're going to allow it? Not only has this caused my credit to plummet due to the negative reporting, the late fees and overall stress of losing my home to find out this option everyone else I know used or is using to keep their homes that I had requested multiple times. I wouldn't have experienced these burdens on the forbearance plan if they would have let me use it when I needed it. So no I couldn't refinance anywhere if I if I tried because my accounts delinquent before going into the forbearance that they've been reporting every month the late fees I'm incurring winter adding up every month the assistant options that aren't available for me to reduce my payment on my interest to make my home more affordable these damages I have been detrimental to my financial well-being my mental well-being and there's nothing I can do about it. I feel like this falls under deceptive Lending not to mention the other issues I've had with them some of which are in class action lawsuits. To have programs available but not let your customers utilize them until it's too late so the situation that they're in is too deep so now the only resolution they have is to increase my monthly payment with a modification that will not lower my interest and not extend my mortgage therefore increasing my payment it doesn't seem like that's the type of modification that would provide relief. Once again I feel that some of these are deceptive loan practices or predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts total, 1 on Experian, 2 on XXXX and 1 on XXXX   which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.