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

Transunion is willfully and wrongfully reporting a negative derogatory indicator on my credit file that is negatively impacting my credit score and credit report. My Transunion credit file just recently updated in XX/XX/2022 with an unjustified " Bad Payment History '' derogatory indicator on it that is negatively impacting my credit score. I DO NOT have any derogatory accounts or information on my credit report that would justify the presence of the " Bad Payment History '' derogatory indicator that Transunion just imposed on my credit file. Putting wrong and incorrect information on my credit file that my file does not mirror is an intentional act of discriminatory oppression, as it is impacting my ability to close on my home loan and obtain other necessary financial services, products, and opportunities. Now when creditors pull my credit report, they automatically deny me for the derogatory " Bad Payment '' indicator that Transunion wrongly placed on my report without reviewing my credit profile to see that the indicator is wrong and incorrect. This system error is wrongly and negatively portraying me and my financial responsibilities in a bad light and it needs to be corrected and removed from my Transunion Credit Report NOW! I have not had any late payments or bad payment history with any of my accounts on my Transunion credit file. But with the " Bad Payment History '' derogatory indicator that Transunion has on my credit file, no creditors want to lend me credit. I am being denied credit limit increases, and I am being denied access to owning a home for my family and I to live in ... .my US Citizen Right. 

As a result of XXXXXXXX XXXX  wrongly error on my credit report, I am being wrongly denied access to credit immediately and told by creditors that I need to have the information corrected by XXXX. I have reached out to Transunion and explained this issue to no avail. They ignore the matter and simply tell me not to worry about it. How can I not worry about it if the situation is wrongly denying me my right to access credit and other necessary financial opportunities needed for my family and I to live a meaningful and safe life. This type of willful neglect of the consumer 's right to have a credit report that is accurate and free of erroneous and damaging information is illegal and it must STOP NOW! A credit bureau can easily hurt, damage, and destroy someone's life due to their eternal and technical errors and mistakes. They don't care of take any responsibilities for their mistakes and errors that negatively impact someone's life. THIS MUST STOP! TRANSUNION MUST BE MADE TO ONLY REPORT ACCURATE INFORMATION ON SOMEONE'S CREDIT REPORT. I should not have a " Bad Payment '' Derogatory indicator on my credit file if I don't indeed have a bad payment history. Their computer systems and codes need to be in compliance to report the actual reflection of my credit report and nothing more.
Product: Mortgage

My loan was transferred for servicing and one payment was put in the back end of my loan. 

Then my payment increased in the amount escrow shortage per Sps rep {$1300.00} which I know is the payment was promise in writing to be put on the back of my loan. 

The payment increase from {$870.00} {$910.00} then {$970.00}. 

I informed SPS XXXX2019 of the trigger I can not afford to pay and dont want to loose my property and need to make my mortgage payment without a late fee effective XXXX2019 I was told the increase was for taxes and insurance. I know my insurance has not increase and my taxes may have increase. But that adjustment was done the prior month of why my mtg payment increase after the transfer of servicing rights.
Product: Mortgage

Good Day, My mother died of sudden death. I learned she had an outstanding mortgage with XXXX XXXX XXXX. I reached out and sent documentation to discuss the account. However, I just learned the mortgage was transferred over to Faye servicing on XX/XX/XXXX and a foreclosure was processed on the XXXX of XXXX. I spoke with Faye Servicing on the XXXX to postpone foreclosure Sale. I was advised they could not speak with me until I sent over documents, stating I am handling the estate. However, mysteriously someone else name is on documents as the estate representative. ( I learned from one of the representatives at Faye Servicing that they were quite familiar with this name they see it often ). 
I m seeking to retain the property. 

Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint XXXX Cash App ( Block , Inc. ) for Unauthorized Transactions, Failure to Resolve Claims, and Financial Losses To Whom It May Concern, I am writing to formally file a complaint against Cash App ( Block , Inc. ) regarding misconduct involving unauthorized transactions, failure to resolve claims, and financial losses. Below are the details of my case : XXXX. Claim Information Submitted Claim ID : XXXX Confirmation Code : XXXX XXXX. Personal Information Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unauthorized withdrawals occurred here ). 

XXXX. Unauthorized Account Event Date : XX/XX/XXXX Amount Lost : {$1700.00} Description : Unauthorized withdrawals from my linked XXXX XXXX XXXX. Cash App failed to resolve the claim adequately, leaving me responsible for the loss. 

XXXX. Data Security Incident I received notice that my information was impacted in Cash Apps disclosed Data Security Incidents ( XX/XX/XXXX and XX/XX/XXXX ). 

XXXX. Financial Losses and Costs Incurred Credit Monitoring/Identity Theft Insurance : Date : XX/XX/XXXX Amount : XXXX ( XXXX for XXXX credit report and {$500.00} temporary credit later debited after investigation ). 

Unrefunded Overdraft Fees : Date : XX/XX/XXXX Amount : {$530.00} ( Debited after temporary credit reversal ). 

Credit Freeze/Report Costs : Date : XX/XX/XXXX Amount : {$24.00} ( XXXX credit report ). 

XXXX. Lost Time and Effort Date : XX/XX/XXXX Hours Spent : XXXX hours Description : Extensive back-and-forth communication with Cash App and my credit union, canceling my XXXX XXXX, monitoring accounts, and securing my credit. Despite these efforts, the issue remains unresolved, causing significant stress. 

XXXX. Supporting Documents Proof of unauthorized transactions, overdraft fees, credit monitoring expenses, and correspondence with Cash App. 

XXXX. Request for XXXX I urge the CFPB to investigate Cash Apps : Failure to address unauthorized transactions. 

Inadequate resolution of claims. 

Lack of reimbursement for financial losses and time spent. 

Mishandling of data security incidents impacting my personal information. 

I seek compensation for the total financial losses ( XXXX + XXXX + {$24.00} ) and a resolution to ensure accountability. 

Thank you for your attention to this matter. Please contact me at XXXX for further details. 

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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX XXXX XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Collection account from XXXX XXXXXXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. XXXX XXXX from a XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this public record. Please provide proof from the court of this public record. XXXX from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FABCO submitted over 2 years ( XXXX XXXX XXXX ) of late payments on a debt collection attempt we were never notified of. I found out about the " debt '' in XX/XX/XXXX after looking at my credit score and submitted a dispute with the credit bureau. FABCO only ever notified us XX/XX/XXXX because of the dispute. We have since asked for them to remove it from my credit score at least from XX/XX/XXXX until XX/XX/XXXX when we were actually sent it. We have been unable to get some sufficient pictures or statements from FABCO/XXXX  to prove the debt and have instead received information we know is false, so I would like it to be completely removed unless they can prove the charges valid with actual receipts instead of made up internal " statemnets '' and pictures of the damages, not blurry black and white close ups that can't be identified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TRANSUNION : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX 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

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within 24 hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXX XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXXXXXX XXXX XXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX XXXX XXXXXXXX XXXX XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance XXXX and starting balance incorrect potential duplicate XXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX The open date for this XXXX is incorrect. XXXXXXXX XXXX XXXX XXXX XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Product: Credit reporting or other personal consumer reports

Again I'm sending this complaint to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my situation. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This has caused me sleepless nights as there are items on my credit report that are a result of fraud to which I have never benefitted from, negatively impacting my life due to these fraudulent activity. I have reported them to the Federal Trade Commission but they are not removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Product: Debt collection

I have been contacted by  XXXX   XXXX  regarding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with XXXX XXXX. I was behind in payments and was put on a loan modification program. I was told that when on this modification program I must make all payments on time and further credit reporting and collection calls will stop from XXXX XXXX. I made all loan modification payments on time per our contract. XXXX XXXX has me listed on my credit report as being 180 days late for XX/XX/XXXX through XX/XX/XXXX. I have records showing payments made on time. This was disputed through Experian and XXXX XXXX initiated a review. XXXX XXXX came back and agreed all modification payments were made on time as stated in the modification agreement. They refused to remove the 180 day late payment data as they said this was for the original loan payment amount. I was paying them the amount they asked for every month. They are holding me to my original loan amount which I was not requested to pay. I was told they are doing this so I can not refinance as they are making money off my loan. My payments and interest rate went up after the modification and I was turned into the credit bureaus for not paying on time. Can you help me to get XXXX XXXX to remove the late payment data so I can refinance and get away from XXXX XXXX? 

XX/XX/XXXX Loan Modification begin XX/XX/XXXX Loan Modification end Dates reported late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I have bank records showing all these payments made on time ) At this point XXXX XXXX refused to remove this data from my credit report even though they agree I made the payments on time. XXXX XXXX did not report late payments for the other months from XX/XX/XXXX - XX/XX/XXXX only the dates listed. Why only these months? This is random and confusing and they will not give me an answer as to why.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from Equifax, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my name, address, and employer. The name listed on my report as " XXXX XXXX XXXX XXXX should be corrected to my full legal name : " XXXX XXXX XXXX XXXX XXXX. '' The address listed as " XXXX XXXX XXXX XXXX XXXX XXXX  '' needs to be updated to reflect my full and correct address : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Additionally, my current employer, " XXXX XXXX XXXX, '' is not reflected on the report. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that Equifax promptly correct these errors and ensure that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.
Product: Vehicle loan or lease

I believe consumer portfolio recovery used deceptive practices towards the purchase of a vehicle. First off I feel I was approved for a vehicle I could not afford. I struggled to make the payments from the beginning. When I purchased the vehicle, they would not approve me for a lower priced one but instead the one that was XXXX more in price. I also was told I would not be approved for the loan unless I took the gap insurance. 
I bought the car in XXXX of XXXX. I struggled to make car payments until XXXX of XXXX. Consumer portfolio would call 12 times a day from 3 or 4 different numbers asking the same questions about getting my payment caught up. I would make arrangements but they would still call over and over daily asking the same questions. 
I had an accident in XX/XX/XXXX, Consumer portfolio Repossessed my car the next day with no paperwork or notice of repossession. 
My car was sold in an auction and again I received no information on the sale of my vehicle till the day of the sale. 
Now I have received a letter for what is owed yet but again my time to respond has lapsed due to not receiving notice until 30 days after the letter was mailed. 
I can not afford to pay this bill and will cause severe financial hardship if this is forced onto me. 
I believe many of my rights have been violated. 
I was never given proper notice to respond, I was never given back my personal things that was in the vehicle. I don't believe the monthly payment aligned with my monthly expenses. This loan has caused sever financial hardships and is still causing mental and financial hardships affecting my credit and keeping me from finding a place to rent. Keeping me in a cycle of debt that I will not be able to recover from and fear the worst for my well being if consumer portfolio recovery services pursues any legal action towards me. They use a robotic and automatic approach that makes it difficult to communicate with them.