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

To Whom It May Concern, I am submitting this formal complaint against XXXX, TransUnion, and XXXX for their failure to properly address my proven identity theft claims, despite providing substantial evidence. The credit bureaus have acted in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and remove fraudulent accounts from my credit reports. I demand immediate action to resolve these issues, as outlined below. 

Background : I have been a victim of identity theft, which has been thoroughly documented through an Identity Theft Report, as well as other official documentation, including a XXXX XXXX. In addition, I am providing letters from various creditors confirming that these fraudulent accounts have been deleted after their investigations. 

Despite this, XXXX, TransUnion, and XXXX have : Ignored my identity theft claims for an extended period, despite having clear evidence that the accounts are fraudulent. 

Blocked my access to dispute these fraudulent accounts online, further hindering my ability to resolve these serious issues. 

Continued to allow these accounts to be re-aged, re-added, or transferred to other companies, which perpetuates the damage to my credit. 

Reported the same fraudulent accounts under different creditors, as they attempt to offload or sell the accounts, causing duplicative derogatory entries.
Product: Mortgage

Ocwen Loan Servicing agreed to a deed in lieu of foreclosure aka cash for keys while I still reside at XXXX XXXX XXXX, XXXX FL XXXX for {$12000.00}. I have no money to move. The relationship manager for my case XXXX XXXX, failed to inform the Ocwen attorney about my approval for cash for key and my house was sold today at XXXX XXXX XXXX XXXX Court for {$38000.00}. Case number XXXX. Ocwen does not know how this happened and they are sorry, but not offering any resolution for me getting money to move. What happened to my cash for keys? I need help to move to a new house and Owcen sold my house. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to www.equifaxsecurity2017.com I was one of the 143 million consumers to have my information stolen due to the cyberattack on Equifax. As I understand it, I am now at risk for having my identity stolen and I have had to put a 90-day fraud alert on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 credence resource management compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Debt collection

I noticed a debt on my credit file for a XXXX XXXX XXXX, and listed with this collections agency CONVERGENT OUTSOURCING , INC . I have never had any services with XXXX XXXX, I work for XXXX XXXX XXXX and I get FREE XXXX and Cellular service so I have no need to pay for either of the services they discussed. I attempted to ask for verification and they never sent me any proof of this debt. After some digging I see they are licensed in the State of New York only the City of XXXX XXXX  and I do not even live in the City of XXXX XXXX. I want them to remove this erroneous collection from my credit history it looks like they added this on XX/XX/2019 to all 3 credit agencies.
Product: Money transfer, virtual currency, or money service

My issue is dealing with my paypal account. My account with them i have a debit card that allows me quick use and withdrawal of my money. I have informed by the irs website that my stimulus payment was direct deposited on XX/XX/2020 to the account number paypal issued me for direct deposit. I have double checked my filing for the irs to make sure i input the numbers correctly and they were 100 percent correct. When i messaged paypal over this issue of where my money could be they said a pending payment wasn't even showing and it must be the irs at fault with wrong information and i would get confirmation when they issued a payment. Well now i have gotten that official confirmation in the mail today from the irs dated for XX/XX/2020 that my payment of {$2400.00} was sent by direct deposit. So officially i don't think the irs is at fault here and i have gotten no answers from paypal what is the problem in receiving this direct deposit that should have been deposited weeks ago. I want my money and i want to be done with paypal this is not the first time i have had issues with them.
Product: Bank account or service

I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.
Product: Mortgage

My closing date was scheduled for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did receive the Closing Disclosure three days prior to the closing day. However, I noticed discrepancies between the last XXXX document, that I received on XX/XX/XXXX at XXXX. and the Closing Disclosure. I contacted First American Title, the title company, on XX/XX/XXXX as soon as I could to request the removal of the Owners insurance ( something that was not included in the Closing Disclosure ). Due to work commitments, I could only make this request after XXXX, but they were already closed for the day. I sent an email requesting prompt contact. 

On XX/XX/XXXX around XXXX, I spoke to a representative who mentioned that the responsible person was unavailable that day, promising to follow up after speaking with her. Unfortunately, there was no response that day. On XX/XX/XXXX, the closing day, XXXX XXXX, the individual responsible for my documents, informed me that it was too late to make changes. I expressed my efforts to reach out since the day I received the document and my frustration regarding the timing of her absence. She indicated that she would ask XXXX XXXX, my constructor, if they allow the change. Then she called me back saying that to be able to make that change they needed to move my closing day for the next day but at cost of {$500.00} penalty fee. 

Displeased with this arrangement, I contacted XXXX XXXX XXXX XXXX XXXX XXXX, who agreed to remove the Owners Insurance and conduct the closing on the same day, XX/XX/XXXX, to avoid the penalty. An updated XXXX document was received at XXXX, with my closing scheduled for XXXX. When the Owners insurance was removed, the Lenders Insurance increased significantly from {$400.00} to {$2000.00}, which I anticipated but found excessively high. Despite my objections, First American Title and related parties refused to adjust the amount. 

Despite seeking options, both XXXXXXXX XXXX and my lender were unable to intervene, as the title company held the responsibility. Under pressure, as I had limited alternatives and stood to lose my down payment of approximately {$25000.00}, I was compelled to proceed with the closing. At the closing, I was rushed through signing, presented only with the last page of the documents, and felt pressured to sign documents without a complete understanding. While the document figures didn't match the XXXX, I was assured they were accurate, and I was urged to sign. 

Additionally, I wasn't allowed to review the Lenders Insurance policy, and I was told to sign before viewing it, which was distressing. They said the Lenders Insurance was not for me ( but I was the one paying ) but for the Lender and only them would be provided with this policy after I pay and sign. 

This experience turned my dream of homeownership into a distressing ordeal. The lack of clarity and pressure to sign documents I couldn't fully comprehend was disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with the company on XXXX, XXXX of XXXX. Company received my disputes. It is now XX/XX/XXXX and i've Yet to hear back from the company about the method of verification I have asked them. They stated they will no longer be disputing anything until I provide new information. The FCRA gives the company 30 days to respond, I have been patiently waiting for the method of verification from them. Since it has not been provided can you please ask them to delete these accounts off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently files a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian is neither corrected or removed disputed items that are attached to identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX  XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX  NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
Product: Debt collection

XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX  Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX  Date filed XX/XX/XXXX
Product: Credit card or prepaid card

Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my mortgage company. They are showing that I am 30days late on my report and i sent the payment in on time. However due to the pandemic covid-19, the mail system is not working properly. I have the proof of my check being sent to the company. The account number is XXXX.
Product: Debt collection

I had financed furniture through American First Finance, with the agreement of XXXX semi monthly, then the date from XX/XX/20 - XX/XX/20 they took out 5 payments and another XXXX to close the account, I was told that the loan date was up XX/XX/20. Why would they give you a loan dollar amount that would not match the time of the loan? I tried to contact them and was told that since I was on auto pay they could keep collecting until the debt was settled. I do not think it was made clear at the time of the loan nor at the end that this would be happening. I do not know of any person that has 5 extra payments laying around for a company to continually take out. I had contacted my bank and they are working on getting the last 2 payments disputed, they were from saturday XX/XX/20 but they advised me that since i gave them permission to use my card, it may not help. This was after i knew that they had taken 4 payments out already. I want to know how this is legal. I did not authorize 5 pmts. I did authorize semi monthly payments.
Product: Credit reporting or other personal consumer reports

These accounts have been disputed previously and has been reported as " accurate '' and " verified '' to me by the reporting agencies yet the accounts report varying information between the reporting agencies. These reporting agencies have not properly investigated my disputes and continue to report incorrect and invalid data. This is a violation of Fair Credit Reporting Act. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly XXXX compel me to take further legal action to protect my rights and seek compensation under the FCRA. Any account showing inaccuracy must be removed. All information from Report as of XX/XX/2024.
Product: Money transfer, virtual currency, or money service

I was scammed out of $ XXXX by a Wells Fargo client impersonating a registered dealership. I called Wells Fargo to check on the company account before the transaction and was told it was active and no issues with it. I transferred the car downpayment and signed a contract and then the seller vanished. I called XXXX 's fraud line and opened a case immediately for payment recall. After few days I called to check and was told that XXXX transferred my fraud case to non-fraud department for another 25+ days of investigations. A local XXXX rep told me that the money vanished from the receiving account already. I feel that XXXX should be held responsible for creating bank accounts for scammers and has squandered my chances of getting my money back with their handling of the case. Is there a possibility of recourse on XXXX to hold them responsible?
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Credit Karma, they said I can apply for a credit card, and when I apply, the bank does not approve it, and that has affected my credit scores a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX my XXXX XXXX card number is XXXX XXXX XXXX XXXX and my PC penny account number is XXXX XXXX my care credit account number is XXXX XXXX XXXX XXXX. My complaint is that I send in documents to update my social security number there told me that they received it and it will be updated by the XX/XX/XXXX. Then a week later they put a block on my credit cards never contact me at all. Then when I call them they tell me I have a full out a research paper to verify my social security number. I already did this and it was verified. But they never updated my accounts correctly I send in faxes to update accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX of this year, I sent a letter regarding inaccurate and unrecognizable accounts being reported on my credit report. It has been more than 60 days, and I haven't received any response from them and the accounts are still on my credit report. I am more than frustrated at this point. The law clearly states that an investigation must be had for these accounts that are being disputed and failure to do so within 30 days or more will result in the removal of those accounts. This is plainly in violation of the law at the expense of me and my peace. I demand that the accounts be deleted immediately or I will file for a lawsuit and seek compensation for damages. In addition, my information was also affected by the Equifax and XXXX data breach and may have gotten to the wrong people.
Product: Student loan

My loans were consolidated in XXXX.I have worked for the federal government since XXXX. 

Public Loan Forgiveness requires 120 payments. I overpaid by approximately 70 payments and am requiring about a refund. 

Mohela is not giving me any information concerning my eligibility for a refund. 

Please advise.