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

Transunion LLC showing A XXXX XXXX credit card account XXXX XXXX po box XXXX XXXX XXXX PR XXXX Transunion llc mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX  repott Please have transunion investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX XXXX 120 days late Account never late please make it current
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
Chapter 7 XXXX XXXX Chapter 7 XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023, and asked them to investigate the completeness and accuracy. I received the results and noticed they fixed nothing. They are breaking Federal law. 


15 USC 1681e ( b ) states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 


15 USC 1681 ( 5 ) states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information. 


( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors or deleted from the file of the consumer. 


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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( li ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this to. Can you fix
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being. 

Unauthorized Debt Collection : 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

I sent a dispute letter concerning information reporting on my credit report directly to the creditor. I am unsure why they are reporting inaccurate information on my credit report. I have never gave this company the authorization to access my personally information or I never have any services with this company. They have not responded with any solution on why they are reporting inaccurate information on my credit report.
Product: Mortgage

XXXX XXXX bought my loan and my first payment was to be in XXXX. They reported two late payments in a row to all three credit agencies and one of them was even for XXXX. When I initially disputed this and said it was paid they refused to fix it. It took almost two months. There was only one late payment at first then they added another one during the process. They eventually took it off but massive damage has been done to credit that can not be reversed. My XXXX card was closed when Im in the midddle of remolding my house, other cards lowered my credit limit. My score dropped over 100 points even after they fixed it its still almost down 100 points from there negligence. Now I cant get Heloc, a refinance, or a new card to help cover the cost of the massive repairs of this house.
Product: Debt collection

On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. 

They have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XX/XX/ 2020 and XXXX XXXX, 2020, AMEX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$2300.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$650.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$650.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute CONSUMER ADJUSTMENT CO XXXX potentially negative icon Potentially Negative StatusCollection account. {$270.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$270.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$410.00} Terms NA On Record UntilXXXX XXXX
Product: Debt collection

XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan. 
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I  have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State. 
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt for {$230.00} that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and Portfolio can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Product: Debt collection

XX/XX/XXXX I went to my bank to pay my rent from my social security funds auto deposited {$1.00}, XXXX XXXX ** ALL FUNDS for survival WERE STOLEN BY USSA AND FUTURE SOCIAL SECURITY BENEFITS OF {$2.00}, XXXX OVETDRAFTING ME in XXXX XXXX XXXX. USAA put in an Electronic Payment ( * I have NO ACCESS ON LINE ) using my XXXX  XXXX XXXX  Data WITHOUT MY PERMISSION. They used my data I had used for previous payments when I did owe. THIS IS IDENINITY THEFT XXXX NOT OWED I NEVER AUTHORIZED THIS IDENINITY THEFT DEBT IS NOT LEGAL TO COLLECT and Social Security funds are not allowed debt collection Humans have to live USAA IS ABOVE THE LAW CROOKS Area Aging DOJ will be here tomorrow. USAA does not care if elderly XXXX die from lack. USAA WAS FINED XXXX  XX/XX/XXXX but do not care They have Not stopped stealing from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.
Product: Debt collection

On credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in regards to  two  different computer glitches that took place in   XXXX  . Originally my inquiries were removed from my credit files but then were placed back on without my knowledge.  <P/>  XXXX   XXXX   XXXX    XX/XX/XXXX      XXXX   XXXX   XX/XX/XXXX      XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX       XXXX   XXXX      XX/XX/XXXX      XXXX   XXXX  XX/XX/XXXX     XXXX    XX/XX/XXXX   XX/XX/XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX    .  XX/XX/XXXX      XXXX    XX/XX/XXXX
Product: Mortgage

I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The XXXX points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 
2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 
3. You do not have a tax or insurance payment due in the next 45 days. 
4. You do not have a force placed insurance policy. 
5. Your loan has not been modified within the last 12 months to include escrow. 
They also said that additional exclusions may apply, but Ocwen only knows those exclusions. 

After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. 

Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over {$1000.00}. 

Is this legal? Can they just nickel and dime me every year just for XXXX even though I live in a small town outside of XXXX XXXX, Kentucky. The city, XXXX XXXX, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : Unpaid balance reported as a loss by credit grantor. 
XXXX Account # XXXX Delete this account. 


there is some inaccurate information reporting XXXX XXXX Account # XXXX Please remove it from my credit report. 


Unpaid balance reported as a loss by credit grantor. 
XXXX XXXX Account # XXXX Delete from my credit report.
Product: Student loan

During my 4 years in school, I took out loans through Sallie Mae -- Federal Subsidized and Unsubsidized loans, as well as a private " Smart Option Student Loan '' ( 1 each year ) to make up the difference in tuition and living expenses. My father was the co-signer. 

Since I graduated in 2013, the interest rate on my " Smart Option Student Loans '' have increased drastically. When I graduated, they ranged from around 5.5 % up to 8 %. Today, they are 9.875 %, 10.875 %, 9.375 %, and 11.125 %. ELEVEN PERCENT on a STUDENT LOAN!! 

I called Navient to see if I could refinance or lock in a lower interest rate. They told me these rates are federally set and they can't do anything about it. In fact, they told me the best thing to do would be to pay it off! SERIOUSLY?! I have even tried to remove my father as the co-signer and they told me my income was not high enough to remove him from my account. 

I've spoken with my personal banker at XXXX. Because it's a " student loan '', they can not touch it. So I'm stuck paying ridiculously high interest rates, with no hope of refinancing because " student loans '' are federally backed.
Product: Debt collection

I was notified in XX/XX/XXXX via phone by Blackwell that I was in collections with XXXX for my quarterly dues, which in fact I was and did not dispute, due to incorrect ownership information. They had my ex husband 's contact information, and I am the owner by court order of the XXXX XXXX. I paid those dues once notified on XX/XX/2019 directly to XXXX, as that is who my account is with and whom I should have been paying. I was notified mid XX/XX/XXXX that I owed an addition {$75.00} for late fees, by my EX HUSBAND, who received a call, I went the same exact day and paid the {$75.00} on XX/XX/2019 to XXXX for a late fee. I received a call on XX/XX/2019 from Blackwell stating I now owe over {$200.00}. I have tried getting information from XXXX and Blackwell. I have sent a request in writing requesting a detailed statement of everything I have been charged, and why, when the payments were received and posted. I also have asked that all fees be in line with my original contract with XXXX. They are not responding to my request. They are only leaving voicemails. Please advise on how I can get help. I believe that XXXXof the $ XXXXis my quarterly fees due XX/XX/XXXX I am willing to pay, however, I should have been told that previously. I am not being notified until it convenient for them to 'collect '
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, cash app ( Block, inc. ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Checking or savings account

For the last couple of years ... if I ever over drafted my account I had until the end of the 2nd business day ( including their grace day period ) to deposit money to cover the transactions or suffer and over draft fee of 35 dollars. However lately if I overdraft my account and I deposit money before the end of the 2nd business day per their grace day period to cover the transactions I still get charged 35 dollars per. I had called last week to reverse XXXX dollars which they reversed as a courtesy. However now I have 3 transactions that " posted '' on the XXXX of XXXX and got charged XXXX dollars overdraft fee per transaction even though I DEPOSITED XXXX DOLLARS cash into account at their ATM to cover all transactions and make my balance positive. The deposit was made PRIOR to the end of the grace day period. What the " tier 2 '' representative told me was because the transactions were " pending '' and posted on the XXXX the fees are valid and they will not be reversing the fees. However the 3 transactions already reflected on my account and we're subtracted from my balance hence why I went negative and hence why I deposited on the XXXX. This has happed more than 10 times since I opened the account and I have lost XXXX to this practice.