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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Product: Vehicle loan or lease

Hello, On XX/XX/XXXX I got in a car accident with another vehicle. It was not my fault. My car is not paid off yet. I own {$25000.00} to TOYOTA FINANCIAL SERVICES. I have full coverage insurance on my car and my insurance ( XXXX ) is going to pay settlement {$22000.00}. Another vehicle does not have full coverage, so they will pay only health payments because I and my wife were injured in this crash. The problem is I can not pay off my car, and i am going to loose all my money i already paid for it. I paid {$7.00} down payment and made 11 monthly payments for {$550.00} per month. It is really hard situation for our family. We moved to US 3 years ago, so any help would be appreciated. 

Thank you.
Product: Mortgage

Loan was with XXXX XXXX XXXX, they tryed XXXX attempts to foreclose, without success, because of the fact that the statue of limitations ran out in XXXX,, because the first delinquent day was XX/XX/XXXX, the note was escalated in XX/XX/XXXX, this made the maturity day,XXXX, and stated the statue of limitations, in XXXX, XXXX  XXXX XXXX XXXX forcing to stop reporting to the bureau s because the XXXX. Had passed, at that time XXXX  XXXX XXXX was barred from suit, in XXXX, the chose to get a fake assignment of deed, using the old stamps from country wide, that was to be destroyed, according to the national mortgage settlement, in XX/XX/XXXX they decided to move the loan over to Carrington mortgage, that's claiming to be a debt collector, started reporting to credit bureau in XX/XX/XXXX, after challenged there right to report the same account that was deleted prior to the change of service, They agreed the 7 years has passed and removed it from the credit bureaus, now they have got a illegal assignment of deed, also the lawyers escalated letter did not include the amount owed or how much to cure, in XXXX  you have to put that on the letter, the immediately did a illegal assignment for deed, and have filed suit to foreclose, ever when the law says the XXXX statue of limitations apply to mortgages, also no one can tell me where the XXXX XXXX I got from the mortgage assistant program, believe Carrington mortgage is stealing all the money people are getting from this program, also they are trying to sue my wife, who has never been a signer on any of the notes, especially the modification I got in XXXX, Carrington mortgage is barred from suit, but are ignoring the laws of Texas XXXX also refusing any kind of workout programs, using the old XXXX tactics,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Company Flexible Finance for unauthorized reporting on my credit report, which has caused me significant harm, including defamation of character, homelessness, difficulty in buying a house, and late payments. I would also like to note that I have also submitted a complaint about this matter to the Federal Trade Commission. I have reason to believe that I have been a victim of identity theft by Company Flexible Finance, as I did not provide them with any consent to report on my credit report. According to 15 USC 1681 c2, consumer reporting agencies are prohibited from reporting any information that is not authorized by the consumer. However, Company Flexible Finance has reported on my credit report without my written instructions or any form of consent. The unauthorized reporting by Company Flexible Finance has caused me significant harm and has negatively affected my financial wellbeing. It has resulted in defamation of my character, as it has made it difficult for me to obtain credit and caused me to be homeless. It has also made it nearly impossible for me to buy a house, which is a fundamental part of the American Dream. The unauthorized reporting by Company Flexible Finance is an egregious violation of my privacy and has caused me undue stress and hardship. I urge the CFPB to investigate this matter thoroughly and take swift and appropriate action against Company Flexible Finance. It is essential that this company is held accountable for their actions and prevented from causing harm to other consumers. I request that you inform me of any further steps that I should take to protect myself from identity theft and to correct any inaccuracies on my credit report. I am deeply concerned about the impact that this unauthorized reporting may have on my financial wellbeing, and I implore the CFPB to act swiftly to protect consumers like me. Thank you for your immediate attention to this matter, and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX several years in an attempt to resolve a past due balance on my XXXXXXXX XXXX XXXX I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Product: Checking or savings account

On XX/XX/year> I opened my personal checking account with the Bank of America Application on my phone and to my surprise the account balance of over {$7000.00} was on hold. It was too late to call so I called XXXX XXXX XXXX XXXX XXXX When I went on the Bank of America application again that day, I realized the whole account was gone, there were no traces of it anywhere. When I call their general consumer line, they could not locate such account anywhere in their system. It took over an hour and XXXX employees to locate the account. They then transferred me to Closure department which they had closed down my account and held funds to a check I had recently deposited stating it was flagged as stolen. I immediately called my employer and they contacted their bank to their surprise there was no notes nor was the check flagged in their system. After several calls back and forth, Bank of America will not answer XXXX XXXX XXXX  XXXX fraud department to receive the funds back to their account, since Bank of America told me they could not release the funds to me. I need this money to pay my bills and responsibilities. This is outrageous what they are doing to us consumers who have to survive paycheck to paycheck. Now they are saying that the account is not closed and can not send the funds to XXXX XXXX XXXX until the account is closed of which they can take 30 days to do so! How is this legal?? To have the approval of another bank telling them there is no fraud reported on their end and they still decide to keep the funds in house. This is exactly why people do not keep money in US Banks! At any minute they can close down your account at their convenience and not even give you time to open an investigation and prove no fraud has been committed, not even allow the bank who issued and released the funds to contact them!! How is this even legal?
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated XXXX response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Product: Payday loan, title loan, or personal loan

Someone fraudulently used my SS # and name to get loans. They also changed the address and phone number on my credit report and set up a XXXX  service account using my information. 
This occurred on or around XX/XX/2022. 
Three loans were taken out : Best Egg in XXXX, Pa {$10000.00} XXXX XXXX in XXXX, MD {$3100.00} XXXX XXXX in XXXX, SC {$6200.00} The companies have been notified and fraud reports started. 
I filed a police report to be included with these reports.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX : {$730.00} & XXXX XXXX VA XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, Experian and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to Experian on XXXX, XXXX on XXXX and XXXX on XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, STATE Employees Credit Union Account XXXX XXXX has violated my rights.

15 USC 1681 Section 602 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Bank account or service

To whom this may concern, I am inquiring if Scottrade Bank will provide Identity Theft Protection Services for the failure to handle customer data appropriately. Specifically, in 2013, XXXX XXXX, a branch manager at Scottrade Bank instructed me to send personal information via an insecure channel ( plain text email ), I at XXXX XXXX 's request, I provided the information via email and was subsequently a victim of identity theft and theft of personal information. 

I am requesting if Scottrade Bank will provide me with retroactive Identity Theft Protection Services or Identity Theft Insurance. 

Sincerely Yours, XXXX XXXX XXXX
Product: Checking or savings account

Based on the bank stated that there was XXXX transition unauthorized from me and total roughly {$1900.00} from XXXX as showed on my online bank statement {$900.00} has been charged. After I called the fraud department, they only allowed me to wait for paperwork for dispute from post mail. The representative stated that the card I never received and they approved to use for this business checking account that I did not have any knowledge of. The US Bank failed to verify me when these transition via online. Being a small business owner that we need a reliable banking institutions to help us manage our business account. After I called the branch and talked to the XXXX representative, he shared about the fee of total {$1900.00} all from XXXX. Because I did not check my online statement yesterday XX/XX/XXXX, then I checked this morning and discovered it. I often checked everyday. I am also planning to send a complain to US bank XXXX as well. It is such disappointed how they reacted when I complained. I am waiting for a better explanations from US bank.
Product: Credit reporting or other personal consumer reports

The credit bureau showed a late XXXX payments were made on time. I called the company, and they verified payment was on time credit bureau has not removed it, keeps sending me back to the credit card company for them to remove but they are reporting it accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Checked my Credit Report and found a Fraud Account on my Credit Report and I asked the Credit Bureaus to investigate and remove the item because the account is a fraud account and does not belong to me. I also contacted the collection company and informed them the item is not mine and to remove the item from my credit report. I also filed a Identity Theft Report. I have taken all the steps as a consumer to get this matter resolved. I've attempted over the last couple months to get this matter resolved. Im disputing XXXX XXXX XXXX {$12000.00}.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than four business days after the date of receipt. I have attached my FTC report to prevent further stall tactics from TransUnion Inquiry needs to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

There are charge off accounts that are being reported on my consumer reports that are in violation of the fair credit reporting act as the reported information is inaccurate, incomplete, and unverifiable. See attached. I demand that these accounts are deleted promptly as stated in section 611 of the FCRA
Product: Debt collection

XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.
Product: Student loan

On XX/XX/XXXX i called XXXX about my account ... a School loan debt forbearance. In late XX/XX/XXXX/early XX/XX/XXXX, i submitted a loan debt forbearance form ( but with the input of wrong dates ). I did get info that my request was pending on my XX/XX/XXXX request. I called on XX/XX/XXXX and the representative said the form submitted on XX/XX/XXXX was deleted because it was a duplicate request ; it was not a duplicate request. It was request with different dates and a different form. 

The representative sent an inquiry to the claims processors for adjustment and stated i would hear from them in 3-5 business days. Its been longer than 7 business days. Ive sent in 2 online inquiries since and have not received any feedback about my conflict.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00}
Product: Checking or savings account

My chase account got closed suddenly with no reason. I asked if I can withdraw my money out, but he says no. I asked when can I get my money, he said he will mail the check. But he did not even confirm the address of mailing, and he didn't tell me when can I get the money. Will the money can not get back forever? Also, please tell me why they close my bank account because they can not close people 's account and do not give money back. I put all my money in the account, if I can not use it, XXXX XXXX XXXX XXXX XXXX I XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reinserted Information without notifying me, which is a violation of FCRA Section 611 ( a ) ( 5 ) ( B ) XXXX XXXX {$15000.00}
Product: Debt collection

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THAT CREDITORS DISCOUNT & AUDIT WAS REPORTING AS A COLLECTION. I CONTACTED THE CREDIT BUREAUS AND INFOMED THEM THAT THE REPROTING OF THE ACCOUNT IS MADE IN ERROR AND I AM NOT AWARE OF OWING THIS COMPANY. I SENT A LETTER TO CREDITORS DISCOUNT REQUESTING THAT THEY SEND ME PROOF THAT THEY ARE LICENSED TO COLLECT AND NEVER RECEIVED A RESPONSE. I THEN SEARCHED THIS COMPANY AND NOTICED THAT CREDITORS DISCOUNT IS NOT LICENSED/BONDED AND DO NOT HAVE THE RIGHT TO COLLECT IN INDIANA. I WROTE THEM A LETTER INFOMING THEM THAT I SEARCHED THEIR COMPANY AND THEY ARE NOT LICENSED TO COLLECT IN ALMOST STATES THAT I SEARCHED. THEY SENT ME A COPY OF A BILLING STATEMENT I REQUESTED THAT THE REMOVE THE ILLEGAL REPORTING FROM MY CREDIT REPORT AS THERE ARE VIOLATING MY RIGHTS.
Product: Credit reporting or other personal consumer reports

Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and XXXX has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. XXXX violated my rights as a consumer as well as federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a dispute with all three credit bureaus to have my credit reports reflect the satisfaction of mortgage filed by the mortgage company, Caliber Home Loans, in my local county recorders office. My credit file with all three bureaus was reporting a balance owed of {$72000.00}, payment status of collection/charged off, account status of closed derogatory, and remarks stating charged off.They did change the balance owed to {$0.00} at two of the credit bureaus after the dispute, but not the other items mentioned above. I called the mortgage company on XX/XX/XXXX. I was transferred to department after department. I was finally told that I needed to speak to the loss and recovery department. I was given the loss and recovery departments email address and phone number. I called the number several times, but you only get the voicemail which is almost always full so you ca n't leave a message or the line just hangs up. I was able to leave a message once or twice. I sent an email, still no response. My daughter did, however, receive a phone call from a customer service rep who was n't able to help much. She stated that we need to speak with the loss and recovery department as well and the circumstances under which they would change the credit reporting. She only called because my daughter contacted the title company who handled the processing of the satisfaction of mortgage and they emailed someone at Caliber and gave them my daughters info. I contacted the collection agency that supposedly had my account, they refused to talk to me after they found out about the satisfaction of mortgage. The satisfaction of mortgage was filed in XX/XX/XXXX by Caliber Home Loans.