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

I have contacted the credit reporting agency on XXXX different occasions regarding inaccurate items reporting on my TransUnion report. This had been completed by mail on XX/XX/XXXX, once on the agencys website, and by phone call. The individual I spoke to verified my information at the beginning of the call, in order to proceed with the call. I explained that there are inaccurate items reporting to my TransUnion report that I wanted to update, and some unauthorized items removed. This included misspelled names, inaccurate information regarding my personal identifiable information, an alleged account that is not accurately reporting and inquiries that I have no knowledge of, let alone open accounts with the companies. The representative informed me that these items will be removed, and my information will be updated to report accurately. As of this date, I have not received any documentation regarding my initial dispute to show if the items Ive complained about are being investigated, updated, etc. On XX/XX/XXXX, I received a letter in the mail from TransUnion ( attached to this complaint ) that not only ignored my disputes, but still failed to assist me with the issues Ive contacted them about. I now feel that my concerns are being ignored and I am being taken advantage of.
Product: Mortgage

My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You
Product: Money transfers

I was a victim of online fraud and i sent money thru western union and i called them to tell them a few minutes after i sent money thru them to stop the payment and the man on the phone from western union told me no and hung up on me and then i called back a few minutes later and finally talk to a guy and told him what happened and about me getting scammed and they filed a fraud report and i told them to refund my money and i reported everything to fbi and gave western union the report number and when i called my local police department i spoke one officer and he told me it was out of his juridicetion and to call the other police department and they said that the western union place had to call them and western union dont want to and is all i want to do is get my {$170.00} dollars back from western union like i tried to before it was cashed but the guy hung up on me and after him telling me no so i hope you people get my money back for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I disputed a Bankruptcy reporting on my XXXX and TransUnion Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to XXXX and TransUnion confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

Some medical debt that I have no idea what it is. I havent went to hospital or seen a doctor in years
Product: Credit card

I checked my recent Best Buy credit card statement and saw I was getting charged a debt protection charge on my bill which I do n't remember agreeing to pay. When I called bestbuy they could not even tell me what it was they forwarded me to another number to call. I called that number to find that it was meant to protect me if something unexpected happened. I do not remember agreeing to this debt protection plan, my brother who was a joint person on the account also does not account agreeing to that plan as he would have been able to catch my back if something were to happen and I could not afford payments. I later learned I have been charged this fee since XXXX/XXXX/2011 without knowing because I have paperless billing.
Product: Debt collection

XXXX  do not have any contracts with this company. They have stolen my identity. 

Please provide a contract, novation agreement between me and this third party debt collector company, or any contract with this third party debt buyer. 

Please provide your w9 tax information, this is a taxable event and your EIN is required for my accountant to report this to the IRS. 

Please provide full disclosure of the name of who created this account on our behalf of us without permission. 

Please provide full disclosure of the fiduciary capacity You are causing undue stress to us, by this breach of my privacy under FDCPA, FCRA.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected XXXX. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Affirm the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to this date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and Affirm whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX has Never once informed me of any of my rights to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is a violation of the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Once, Paypal had temporary limiting my account activity and asked me to upload some proof documents such as ID card and bank statements. Once I uploaded my documents, My Paypal account has been permanently XXXX. I was so frustrated. I only use my Paypal account to accepts payment from a microstock website, such XXXX, XXXX, or XXXX  XXXX  XXXX sites as XXXX, XXXX XXXX, XXXX, etc which I am a designer, and make some payments with my fellow clients. I can provide any documents needed and why my Paypal account being XXXX?
Product: Credit card

My standard finance rate was raised to over 25 % without cause ( they do have an opt out ) I have a perfect credit history and an income level to place me in the top % XXXX of the country. I have had this card for several years and never had any credit or payment problems with me or I with them. 
It is an outrage that someone with an excellent credit history ( Fair Issac typically around XXXX - XXXX ) is placed in such a category, no doubt, for profit alone. Why do people maintain good credit? Why maintain a good credit history is one is to be subjugated to such extremes? What legal authority do they have to do this? Are there not laws that regulate how banks treat citizens for the good of the nation? What do they charge people with bad credit history? 250 %? 
When I was young this was considered usury and was illegal. Many tolerate the XXXX fees today because they have no choice with bad credit but mine is as good as one can get, yet with my excellent credit rating/ history I am treated like pariah at Macy 's . 
Please help. 

Below are relevant info. 
Thank you for your assistance. 
XXXX Name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Occupation : XXXX Age XXXX CC rating XXXX Macy 's cc # ( last XXXX ) My husband is writing this letter for me as I am not well at the moment, undergoing XXXX which incapacitates me. This matter concerns me greatly as credit is our way of life and I worked hard on mine all my life. To be raised to such an exorbitant rate is astonishing in this day, in this nation. Is Macy 's based in XXXX ( where they are experiencing insane inflation ). 
I just do n't understand. I worked a=hard all my life, I 'm a professional and yet I am still given the highest rate with no cause. Is this what America has come to, \???
Product: Mortgage

had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.
Product: Debt collection

I am writing to formally dispute a negative credit report related to a debt from XXXX XXXX XXXX also Operating under XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. This apartment complex has reported that I owe an incorrect balance totaling XXXX to my credit file Account Number XXXX However, I have since learned that they have sold the debt to a Fair Collections Outsourcing. Which is now reporting it separately. The debt is inaccurate because while I was living there it was operating under two names with two different systems to pay. while the complete balance is inaccurate, In the original contract between the original creditor and I a higher than usual deposit was paid to secure any unpaid debt, damages, etc. to the property. I moved out in XXXX XXXX XXXX but it says that the debt collector reported the information XXXX XXXX but it didn't show up on my credit report until XXXX XXXX which I immediately disputed. It came back as verified through the credit reporting agency XXXX, in which then I requested a description of the reinvestigation procedure Under law 15 USC 1681i. I have contacted the debt collector FCO certified mail asking for validation bearing my wet signature including me opting in to my information being sold to a 3rd party company. they sent back a identity theft packet not verification. I also asked them to cease and desist any further credit reporting, which they did not. This inaccurate reporting has negatively impacted my credit score and financial standing. I am requesting that the CFPB investigate this matter, including the apartment complexes reporting practices and the actions of Fair Collections Outsourcing. Additionally, I request that any incorrect, duplicate, or unfair entries be corrected or removed from my credit report. Thank You So Much XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Salutations! 

I was wondering in the State of Wyoming, can collection agency re insert the same debt twice? I noticed this on XXXX XXXX, it was listed under two different names, MS LLC, and XXXX. Then in a about a month both disappeared from my credit score. Shortly after these events which was around XX/XX/XXXX. The amount was {$420.00}. 

I made arrangements with the company MS Services LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, WY XXXX to take {$110.00} per month electronically out of my bank account starting XX/XX/XXXX, and the have been doing so since then and my balance is down to {$110.00} as of today. 

On XX/XX/XXXX I got a notification from XXXX XXXX that the same collection agency MS LLC put a re insertion report for collections in the amount of {$110.00}. 

Is this legal? Can you investigate this? Do I need report them to the Consumer Financial Protection Bureau? 

Thank you for your time! 

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

I have been asking TransUnion and XXXX XXXX TO REMOVE THIS CHARGE OFF MY CREDIT REPORT FOR SOME YEARS NOW AND NEITHER TRANSUNION OR XXXX XXXX HAS DONE SO. I HAVE SENT PROOF OF A COURT RULING IN MY FAVOR TO BOTH COMPANIES AND NOTHING HAS HAPPEND I THINK ITS REALLY SAD THAT THESE COMPANIES CAN JUST RUIN A PERSONS CREDIT AND NOTHING CAN BE DONE ABOUT IT THIS HAS CAUSED ME STRESS AND PROBLEMS WHEN NEEDING TO APLY THE USE OF CREDIT TO MY PERSONAL LIFE. THE RULING TOOK PLACE WAY BACK IN 2017 AND THIS COMPANY HAD THE NERVE TO TAKE ME BACK IN FRONT OF THE SAME JUDGE 2YRS LATER I WAS NOT HAPPY NEITHER WAS THE JUDGE THE RULING ENDED IN A JUSGEMENT FOR ME ( WITH PREJUDICE ) WHICH MEANS IT SHOULD NOT HAVE BEEN FILED AGAIN AFTER THIS JUDGEMENT WELL NOW IM HERE BECAUSE THEY STILL REFUSE TO REMOVE IT I NEED HELP AND ALSO WANT TO KNOW IF I CAN FILE A SUIT MY SELF AGAINST BOTH XXXX XXXX AND TRANSUNION XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I opened an Uber Visa credit card through Barclaycard US due to their great 4 % rewards program on fast food and restaurants. Over the course of about 2 years I have collected {$250.00} in rewards. In XXXX of this year ( XXXX ) with only a few months notice they changed their terms so that their rewards are only able to be cashed out into " Uber Cash '' which is only accessible in their Uber ride hailing app. This is massive change and is not at all what I signed up for with this account. 

I received only two notices, that were both flagged as spam and subsequently never read, on XX/XX/XXXX and XX/XX/XXXX. These unseen notices touted the benefits of Uber Cash while wholly downplaying the fact your earned rewards is now entirely stuck in their system. I never received any mail or postage alerting me to this change. I am now out over {$250.00} I earned for using their card because of this bait and switch tactic that was done without proper notice. 

After failing to redeem my rewards on XX/XX/XXXX I called customer support for assistance only to be alerted to this change for the first time. I was still under the impression nothing had changed with the card and had most recently used it for a food purchase ( given the former 4 % rewards ) on XX/XX/XXXX. 

I never signed an agreement agreeing to these changes. The only agreement I ever signed or affirmed was my initial contract for this credit card.
Product: Credit reporting or other personal consumer reports

Discover Student Loans placed late reporting improperly on my credit report during a national epidemic.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and reflect late payments beyond that of my BK discharge. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not. 

1. Accounts that were XXXX reporting as charge offs2. Accounts that were never late prior to BK reporting late payments after my discharge. 
3. Accounts that were XXXX showing recent activity as XXXX days late as recent as XXXX months ago. 
4. Accounts that reflect inaccurate date of delinquency, creditor information, etc. 

Nearly XXXX accounts that are XXXX that have inaccurate account information, status, or other misleading information. 

These inaccuracies make me appear to be a larger risk then I have ; especially considering I have many accounts in good standing and have no other derogatory information since filing for BK in XXXX 2009. These inaccurate information not only projected me as more for years despite rebuilding ; however, it prevents the deletion of information at their appropriate time but having wrong date of delinquencies.
Product: Mortgage

I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.