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

I am filing this complaint against TransUnion and XXXX for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. Transunion reports the purging date to be XX/XX/XXXXXXXX  and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both TransUnion and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe TransUnion or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand TransUnion and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. TransUnion and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by TransUnion and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because TransUnion and XXXX are reporting two different purging dates is solely TransUnions and XXXX  default and they refuse to fix this on going issue. TransUnion and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. TransUnion and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Last spring I needed to check my credit score to get approved to rent an apartment while at college. I was told that experian gave a free, one time report which was all I needed. Nowhere that day did I want to become a member, especially since I was unaware they were extracting {$24.00} a month for an account I had no idea was running. Very rarely do I check my credit activity because I don't use much banking. Recently, I got recent credit activity and they've been taking that {$24.00} a month since last XXXX. I've tried countless times to cancel my account and they have never gotten in touch with me.
Product: Credit reporting or other personal consumer reports

I recently acquired a copy of my credit report and discovered that you are reporting false information in the personal information area. To minimize guesswork, my information is as follows.This is my legal name : XXXX XXXX. Please remove any further references to names, as they are not mine and I have never used them. Please double-check my address, which should read : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX XXXX ( XXXX ). My birthday is XX/XX/XXXX not XX/XX/XXXX I am XXXX years of age. Please remove any additional information you are now reporting as it is incorrect. I have attached my identification card and a recent copy of my ID for your verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 account removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  Inquiry Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XXXX. XXXX, XXXX XXXX, XXXX XXXX Date : XXXX. XXXX. XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX Inquiry Date : XXXX XXXX, XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. I have XXXX delinquent payments reporting that were in fact paid on time. The Consumer reporting agency needs to report with complete accuracy. 
Also as part of the XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. 
According to the CARES Act ( Section 4021 ), an accommodation is made due to XXXX, the account must continue to be reported as current if it was current at the time of the accommodation. 
Please update these dates as current and paid on time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am also requesting you send verifiable proof showing I had late payments with records. 
If this information can not be verified I am asking you to update the reports as paid on time. 
Thank you for your prompt action.
Product: Mortgage

Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months. 

No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!
Product: Credit card

I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hey In accordance with IRS Topic no. XXXX this following company is providing an inaccurate information in my credit report. 
Because they showed this account as Charge Off in my credit report, and wrote them off in their taxes as a profit loss but I never received a 1099C Form from this company which confirmed the charge off in this accounts. 
Capital One Account # XXXX I would like you to review this information and please help me to get a 1099C form from each of these companies. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Prepaid card

I have money on my Venmo account and they locked my account while trying to transfer to my card. They have asked for proof of identity in which I submitted DMV proof and they are stating they can not accept it for whatever reason but will not give me an exact reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX M XX/XX/XXXX XXXX M XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates are attempting to collect a debt that isnt mine. They claim I owe {$490.00} for a XXXX XXXX card that isnt mine. I share the same name with my father who passed away last year and I know he was going through financial hardship. I truly believe to the best of my knowledge that he is the one who owed that debt, not me. They have place a collection account on my XXXX and XXXX credit report.
Product: Mortgage

Complaint Regarding Cybersecurity Incident and Financial Concerns with Mr. Cooper I would like to file a formal complaint concerning a cybersecurity incident reported by Mr. Cooper on XX/XX/2023. Since the incident, both their website and phone access have been inaccessible, leaving customers like me in a state of distress and uncertainty. 

My primary concerns are as follows : 1. **Inability to Contact Mr. Cooper : ** As a customer, I have been left with no means to contact Mr. Cooper to address my concerns and inquiries. 

2. **Property Tax Payment : ** My property taxes are due on XX/XX/2023, and they are typically paid through my escrow account. I fear that due to the cybersecurity incident, Mr. Cooper may not be able to make the payment on time, which could have serious consequences for my homeownership. 

3. **Personal Data Compromise : ** I am worried about the extent of my personal data that may have been compromised in the breach. This includes my social security number, place of residence, and ACH information, which could lead to potential identity theft and financial loss. 

4. **Account Access and History : ** With the website and phone access disabled, I am unable to access my account information, such as my payment history and current balance. This has implications for my ability to manage my finances effectively. 

5. **Extra Principal Payments : ** I make additional payments towards my loan 's principal every month to expedite its repayment. I want assurance that these extra payments will be correctly applied, given the circumstances. 

6. **Fees and Interest : ** While Mr. Cooper has assured that there will be no fees incurred during their efforts to resolve the issue, my concern extends to the potential extra interest accruing on payments and additional payments that may not have been processed during the downtime. 

7. **Upcoming Tax Payment : ** My greatest concern is the impending property tax payment due on XX/XX/2023. I have already contributed to my escrow account for this payment and can not afford to make it separately. 

I kindly request the CFPB 's assistance in addressing these pressing issues and ensuring that Mr. Cooper takes appropriate actions to safeguard its customers ' financial interests and data security. Your intervention in this matter is greatly appreciated, as it has a significant impact on my financial stability and peace of mind. 

Thank you for your attention and assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please I need an investigation on this account as it is seriously affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw inquiry from your company that I dont recall authorizing. This has me really concerned, as its affecting my credit score and causing unnecessary stress.
Product: Mortgage

I have paid on the line of credit for many years and very little has come off the principle. I personally think these second mortgages should be outlawed since you cant take the interest paid off you taxes anymore. I once paid a {$14000.00} dollar lum sum to Fifth Third Bank of XXXX, Ohio! I think i am being taken advantage of BIGTIME!!! Please investigate.
Product: Debt collection

Ally financial is reporting that they repossessed my vehicle and that it was involved in an accident. It was neither of those things. It was refinanced with XXXX XXXX. It was never repossessed. I have always been in possession of the vehicle. Still own it.
Product: Debt collection

ATTN : This is a separate compliant for PORTFOLIO RECOVERY ASSOCIATES. 
Currently in litigation with this corporation. The action taken was not required without proper notice. 

I XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan. I am inserting my right to claims against PORTFOLIO RECOVERY ASSOCIATED pursuant XXXX XXXX who claims to be the holder of the contract. I am being sued by Portfolio Recovery XXXX ( XXXX ) who is a debt buyer who has brought a disputed debt connected to my all-caps name for pennies on the dollar and is making illegal attempts to collect the full amount of the debt through coercion. 

XXXX did not accurately provide me with any verifying documents confirming if the debt belongs to me. They have never issued a signed contract which is being sued upon because there was never a contract or agreement with their corporation. XXXX has verified the debt by providing deceptive billing statements that reflects a billing error pursuant to 12CFR 1026.13. The billing statements reflects an error because it doesnt show that Im receiving as the consumer the amount due, nor does it reflect that I am being credited for that amount. 

XXXX is furnishing false documentation creating a false belief that the original creditor is participating in the connection to collect a debt not owe. XXXX has taken legal action against me after I disputed the debt with their corporation multiple times. XXXX continues to harass me by using abusive tactics by making false claims against me; claiming the alleged debt is mine pursuant to 15U.SCode 1692e this is false and misleading and violates my consumer rights under the FDCPA. Any form of communication from an attorney in connection to collect on a disputed debt is a direct violation of the law. All communication in connection to this debt is coming from their attorney who is representing XXXX. 

Prior to the litigation proceedings with XXXX I have requested that all communication regrading this alleged debt be ceased and noted. Due to the fact XXXX has called me multiple times a day between the hours of XXXX without my consent in attempts to harass and annoy me about a debt I do not owe pursuant to 15U.S.Code 1692k ( 5 ) a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the debt ; causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 

The billing statements they provided addresses me in my all-caps name and not me as the natural person, or consumer of the account. The account number on the billing statements are also redacted therefore making claims that the alleged debt is mine is without any reasonable means is extortion pursuant to 18U.S.Code1961. In accordance with 18U.S.Code 8 states all debt obligations and securities are owed to the United States XXXX XXXX has taken adverse action against me in efforts to collect a debt which holds them civilly liable pursuant to 15U.S.Code1640 with fee up to {$5000.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}