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

TransUnion is in violation and reporting inaccurate and inconsistent information. According to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have not reported the account as disputed and also have the payment history not updated evidence provided below for the account XXXX XXXX XXXX XXXX. XXXX reports payment history up to XXXX while Transunion stops at XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX Account # XXXX, has violated my rights. 






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
Product: Mortgage

I fell behind on my mortgage because of this covid global pandemic in XXXX of XXXX. I have applied for assistance twice and am not getting the proper answers to my questions from my mortgage company. The reasons per Fay as to why I don't qualify are as follows : 1. REPAY PLAN - INCOME IS INSUFFICIENT 2. DEFERMENT - INVESTOR DOES NOT PARTICIPATE IN THE PROGRAM ( XXXX XXXX ) 3. MODIFICATION - BASED ON INCOME, INCOME IS NOT SUFFICIENT, DEFICIT Problem # 1 - XXXX XXXX 's website clearly states that they offer deferments after a forbearance for their borrowers. Why am I not a candidate if XXXX XXXX has hired Fay to service my loan and XXXX XXXX is offering it to loans that they service? This question could not be answered by Fay Problem # 2 - I have a surplus income after my mortgage and bills are paid, THANK XXXX, not a deficit. My three month average for self employment income from XXXX was gross {$3500.00} and net was {$3000.00} but today I was told that the underwriter 's final net income was calculated at {$2200.00}, that is a difference of {$760.00}. When I asked why 25 % of my take home income was deducted by their office, the answer was " I don't know that's what the letter shows '', when I asked who I can speak with to get clarity as to why that much is taken out of my pay, the answer was " No one, we treat every homeowner the same ''. That is the strangest response and for me being a XXXX and minority in this county, I now am positive that I am being discriminated against. Really, you take off 25 % of everyones self employment income which then causes them not to be qualified for help? XXXX XXXX self employment tax is only 15.3 % so where is the 9.7 % difference that Fay 's underwriter is taking from my pay, coming from?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX COLLECTIONS XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX : {$680.00} INQURIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XX/XX/XXXX
Product: Student loan

I applied for the new SAVE plan in XX/XX/2023. I received an email on XX/XX/XXXX telling me my application was still pending. When I access the website, I can not find any information about the status of my new repayment plan request. The website shows my old payment amount ( I've since divorced and have significant additional expense ) and I can not find any information about my new repayment plan or if its even approved. I have attempted to call NelNet on three occasions, both times I have ended up in the queue for over 45 minutes and eventually had to hang up because I have a job and need to work to pay my student loan back and can not sit on hold all day long. How can we get back into repayment if we can not even get information about our loans? I need to know if my application is still in process, if not when it will be decided and if it's been decided, what was the outcome of the decision and how was my payment calculated.
Product: Credit reporting or other personal consumer reports

I am unable to reset my password to log into Equifax no matter how long I wait or how many methods I try. This has been an ongoing issue for YEARS now. Also my credit freeze was supposed to expire last XXXX but now it seems that it has been reinstated? This company is impossible to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information
Product: Mortgage

In XX/XX/2021 I was reminded that my account is 2 payments ahead. These payments were made a few years ago and have rolled over each month not being applied. To recover those funds I was told by the representative to just not make the next two months ' payments. When I did as told I received late notices. In frustration, not wanting a bad credit rating, I paid the whole account back up in XXXX. This made it two payments ahead again.

Suntrust transferred the account to Truist. Both Suntrust and Truist agree there are 2 payments rolling forward. Furthermore, the account shows it, see attached. I am unable to get anyone to tell me how I may recover those funds. I am about to pay it off but the PayOff statement does not reflect these funds ( see attached ). I am desperately trying to get these funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Subject Dispute of inaccurate information on Credit Report I have recently viewed my credit report and found several items on there that are inconsistent. So I am writing to dispute the following inaccurate information. The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report. 
I have not been given a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) The Collection Agency is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681-S2 ( 7 ) ( A ) The names of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report, Please tremove these accounts from my report. they are hurting my ability to obtain credit. 

I also notice inquiries that were not made by me and never seen before. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX my phone just got a text that my credit was just checked and I never authorized a check for anything. I think someone is using my information without my consent and it may be my ex I'm not sure.I have text alerts when my information has been used and this isn't the first time this has happened. Text said it was XXXX FINANCIAL and it went to my email address as well. It has to be someone close to me that did this. My last name been changed for over a year I got married in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shell/Citiban k CBNA    #  XXXX  Account closed by  Shell ,  Paid, Never Late, Perfect payment history Last paymen t  XX/XX/XXXX  Delete date for CRA was  XX/XX/XXXX .      Please delete from CRA record.
Product: Credit card

Resurgent is refusing to acknowledge that accounts XXXX and XXXX were opened as fraud. I did not open these accounts. A credit card statement isn't proof that I own the accounts. When these accounts were originally opened my XXXX year old son was the one that opened these accounts in my name without my knowledge. Therefore, I'm not XXXX my son. He's fixing to be XXXX and realizes the mistake he made. At the EOD I'm not responsible for these accounts nor did I ever use them cards. If I need to get an attorney I will in order to get these accounts closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely XXXX XXXX
Product: Debt collection

Allied Collections Talked to XXXX from Allied Collections and he stated can I pay this debt. I asked him the name of the original creditor and he replied XXXX XXXX. I asked for a validation letter and he stated they mailed one in I am not sure of the month. I replied I did n't get it. He replied can I pay the debt. I replied I need it in writing to which he replied no paperwork will be sent, I replied i will send you a letter in the mail. He replied I acn pay over the phone to which I replied I need paper work.
Product: Debt collection

I have requested to have an unfamiliar debt verified. I did not receive any validiation, i.e. signature, contract, copy of ID. 

on XX/XX/18 I mailed a certified request of validation. I received a letter from them and they just verified my name and " total balance due ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Do inquiry on my credit report is fraudulent its not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX
Product: Vehicle loan or lease

I cosigned on a car for my ex for a XXXX XXXX XXXX. He refinanced the loan as we had went our separate ways. On XX/XX/2017 a payment for {$18000.00} was paid. When the new financial institution called they got the payoff on XX/XX/2017 that was good through XX/XX/2017. The check was received by XXXX XXXX on XX/XX/2017. At the time my ex thought the loan had been completely paid off, since he had  asked for a payoff. When the new financial institution wrote the check to XXXX XXXX, they did not figure in the interest for that gap. I received a call on XX/XX/2017 stating the payment was late and would affect my credit score. A payment of {$300.00} is what was left on the account. I was told it was due on XX/XX/2017. I had previously called in to be sure the loan was in good standing before this, and I was  reassured it was. I have NEVER been late on a payment. When speaking with XXXX XXXX I pleaded with them on what I needed to do for this to not impact my credit score. I was told I would need to have the payment made today, as the reports are not sent until month end. I was told if it was taken care of within that week, I would not see a negative impact. I hung up the phone and called my ex and he made the payment that day. After he called, I called back in to confirm payment was showing in process and paid. I was told on the phone that I did not need to worry about it affecting my credit, that a note would be made on the account and it would be taken care of without a negative impact. They completely lied to me. My credit now shows a late payment when I did exactly what was asked of me and within the same day. I did not stretch it out or let it slide. I wrote XXXX XXXX a letter asking for a one time forgiveness and explained the situation, they would not grant it. The reasons why I was unaware about the loan was I had confirmation from him it had been paid off, which is why I did not realize there was a balance. XXXX XXXX stated that the other financial institution would have to write a letter stating their mess up, even though they know exactly what happened even though the loan was always timely and only with them for a year. I do not even know who the new financial institution is, as I am not on the loan. I would just really appreciate a one time courtesy from them as I was the cosigner and I would've taken care of it sooner had I been made aware. I feel that they waited to be able to penalize me and intentionally drop my credit score. For someone who always pays on time this extremely frustrating.
Product: Credit card

In XXXX, my first child was born. He is adopted, so there was a significant financial cost associated. In XXXX I lost my job. I contacted Discover card because it was going to be difficult to pay my monthly bill, and the interest was accruing rapidly. I entered into a XXXX payment agreement whereby I would pay {$250.00} a month ( {$100.00} or more less than I had been paying ) and the interest rate would be lowered during this period. I authorized Discover to deduct through ACH the {$250.00} from my checking account on the XXXX of each month. In early XXXX, I had not yet found work. I had taken on gig work to bring in some income but still was unable to make the XX/XX/XXXX payment of {$250.00}. I contacted Discover again, and the customer service person said that he/she could change my payment date from the XXXX of each month to the last day of each month. I agreed to this, and my XXXX payment was deducted on XX/XX/XXXX. Shortly after, I logged in to my Discover account and noticed conflicting information. Some places in my account said that my next payment was due on XX/XX/XXXX ; others said XX/XX/XXXX. XXXX part of my account also said I had a past-due amount. I was confused and contacted customer service. The person I spoke with insisted my payment date had never been changed and that I did have a past due amount. After contentious back and forth, I revoked Discover 's ACH authorization. I have attempted multiple times to speak with someone higher up, but I more or less get the same responses each time, always including inaccurate information about my account, the payment plan, etc. I have now received a letter from Discover saying that I am in default. In the meantime, I have continued making small payments to my account.
Product: Debt collection

There are seven ( 7 ) accounts listed on my credit file with each credit bureau, XXXX, XXXX and XXXX. I was never notified of the debt so I could request for verification. Also, I would like for Medical data systems to send ma all sign agreement and obligation since they are saying I owe for seven ( 7 ) balances. This is a violation and should be looked into more. Medical has ruined my credit because of this incorrect information.Just low down
Product: Credit reporting or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX, Tran Union, XXXX, and XXXX are violating my rights by reporting my late payments which are transactions with them on my credit report since XXXX although I have paid and is accurate and paid as agreed. They have reported my payment experience with them more than 20 times negatively affecting my credit profile. I have contacted XXXX XXXX and XXXX and they refused to correct the inaccurate information and treated my concerns as a validation request. This is not a validation request. I contacted XXXX  XXXX XXXX XXXX and they confirmed that they made about 29 or more inaccurate late payment reports dated XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and grossly violated my rights under 15 U.S. Code 1681a - Definitions ; rules of construct ; EXCUSIONS of not reporting transaction experiences meaning late payments. In accordance with FCRA compliance standards I insist on the immediate removal of all 30, 90, 180, any day of the transactions reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a protection plan through XXXX XXXX XXXX. I have been disputing the same items for over a year now with Equifax and on the credit file, I was provided that the items do not show any longer and could not dispute them because they were not on the report. Today I was denied credit for my business due to the items that were supposed to be taken off the report. When you call and go through the entire process of validating yourself you give all of your information and then they continue to send you through this again, you can never reach a person to get to the bottom of this. Equifax is sending out fraudulent information and giving you no way to talk with a person.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

Thank you.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank allowed XXXX unauthorized transactions to occur on my account. A Wells Fargo customer service phone number called and said there was fraud happening on our account. They gave their names and IDs to me and told me to call Wells Fargo to verify. While waiting in queue to talk to Wells Fargo their same customer service number called and said it was a customer service representative and corroborated the employee and Id. They transferred me back over to the so called employee and we began to screen share to check accounts. They were helpful and told me to call another number to wrap up the fraud claim. That number called forward the phone and they were able to activate XXXX and steal all of our money. The so called employees were actually fraudsters who duplicated Wells Fargo phone numbers. They stole money from us and Wells Fargo refuses to take any responsibility.