23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

1. ( XXXX XXXX - XXXX ) 2. ( XXXX  XXXX XXXX XXXXXXXX ) 3. ( XXXX XXXX  - XXXX ) 4. ( XXXX XXXX - XXXX ) 5. ( XXXX XXXX - XXXX ) 6. ( XXXX XXXX - XXXX ) 7. ( XXXX XXXX XXXX ) Inquiries : ( XXXX  - XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures XXXX of identity Trafficking Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

REF XXXX - EQUIFAX, XXXX AND XXXX DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My Transunion credit report has a freeze on it, that I initiated years ago to prevent fraud. HOWEVER, I have been trying for more than XXXX XXXX XXXXo lift the freeze and their system gives them an error when they try, AND it gives me an error on the website when I try. I have called in, spoken to supervisors, been told it will be fixed and here I am oveXXXX XXXX XXXX XXXX  and it has not been fixed. Consequently, I have not been able to apply for any credit. This situation is ridiculous, and they are no help getting it resolved. I keep getting the run around from TransUnion! PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

This mortgage is not and was not late since the bankruptcy filing date of XX/XX/13 as all payments were paid as agreed via the trustee and not 30 days late since
Product: Vehicle loan or lease

I am disputing a repossession that is being inaccurately and inconsistently reported by CCM Finance LLC to both XXXX  and XXXX. 

XXXX  is reporting a high credit amount of {$74000.00}, while XXXX  is reporting a high credit amount of {$45000.00}. These conflicting amounts raise concern about the accuracy and validity of the data being reported. 

Despite having submitted two prior complaints regarding this account, the lender failed to provide adequate validation or consistent updates to the credit bureaus. The Fair Credit Reporting Act ( FCRA ) requires that all information reported on credit files must be accurate, verifiable, and consistent across all reporting agencies. This tradeline violates those requirements. 

I am requesting a full investigation and resolution to have this repossession removed due to its inaccurate nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XXXX XXXX, we received notification that the XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XXXX XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Product: Credit reporting or other personal consumer reports

I looked at my report XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX, XXXX XXXX, are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I have attached to reflect inaccurate information
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain my credit report from Equifax for over 2 years. My most recent call to them was on XX/XX/XXXX. I can not access my equifax.com account and lenders can not pull my report. Instead, a message to call the consumer care center appears. The care center stated there's an " internal block '' on my credit, however, it wasn't placed by Equifax per their representative. They asked me if I recall being a fraud victim and I said no I have never been a fraud victim. They can't tell me who placed this " internal block '' on my credit. Finally claiming that I placed the block or " maybe a creditor placed the block ''. When I tell them I did not place block, and I did not authorize anyone to place a block on my behalf so I'm requesting they remove it, they stated I must send copies of personal identification information ( birth certificate, social security card, and driver 's license ) via FAX or MAIL. When I told them I refuse to send those documents to a company that had a major security breach and would like a physical address where I can resolve this matter, the representative put me on hold for greater than 30 minutes ( my lendor can confirm this ) and never spoke on the line again. I have had this same experience In XX/XX/XXXX. I want this " internal block '' with codes XXXX and XXXX removed. I want my access to my online account back. I did not place an " internal block ''. Who would place a block on only ONE of their credit bureau accounts? It is ONLY on Equifax and ONLY with Equifax that I have this problem. It is absolutely unacceptable that I can not see or access my own credit report.
Product: Mortgage

On XX/XX/2016, HSBC Mortgage ( or their subsidiary, XXXX ) issued a check to their third party vendor, XXXX XXXX XXXX for the payment ( {$1500.00} ) of my property taxes. Eleven days later ( XX/XX/2016 ), I sold the property, and was required to pay the property taxes ( pro-rated ). The funds from this transaction ( the amount I paid at closing ) posted XX/XX/XXXX, and I began contacting HSBC shortly thereafter to begin requesting my refund. The XXXX County Tax Department confirmed they never received a payment from XXXX or HSBC. 
Despite weekly calls, escalation to supervisors, and countless promises to " expedite '' the handling of my request, I have yet to receive any funds. What 's worse, because of the heavily automated processing of refunds used by HSBC, although they can confirm they received a refund from XXXX on XX/XX/XXXX, they can not tell me ( a ) where the funds are now, ( b ) when I should expect to see them, or ( c ) the name of a human who can issue a check. 
My belief is my rights are being violated in much the same way as those who lost their homes during the Great Recession due to banks heavily automated processing of transactions, in that case, foreclosures. This is a substantial amount of money which is essentially being " held hostage '', with no release in sight. Being without this money owed to me has caused me to ( a ) miss out on investment opportunities, ( b ) spend countless hours on the phone with individuals from HSBC who claim to be " powerless '' to do anything. It is my contention that no refund process should take this long, and XXXX ( for having unreasonably long processing times to issue payments/refunds ) and HSBC are profiting from having my funds at their disposal. 

*Disclaimer : The servicing of my account was transferred to XXXX on XX/XX/2016. However, the aggrevating factor and salient point here is HSBC has failed to issue a refund to either me, or to XXXX as of this writing, so I do not feel XXXX is culpable int this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my credit report, showing on my XXXX, Transunion and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.
Product: Consumer Loan

I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.
Product: Mortgage

I faxed an auto bill payment set up form to Fifth Third Bank on XXXX to setup automatic payments on my mortgage that had just been transferred to them because they don't allow you to set it up online or over the phone with them unless you bank with them - which is NOT mentioned on any paperwork I received, including all Welcome information. On XXXX, I spoke with a representative in the auto bill pay department to see why I was getting a letter asking me to complete the form I'd already filled out and to see if they had received my request and when it would be completed. He advised the form had been received and was in the process of being completed but could not guarantee it would be set for XXXX. I was also advised via chat that day that it can take up to two payment cycles for auto payment to be established. I don't understand how it can take so long to setup auto payments, and how it is now XX/XX/XXXX and I see that they mailed me a letter XX/XX/XXXX advising my request had been cancelled at my request since I never responded to the letters they sent AFTER I was advised to ignore them as my request had already been received. 
There is absolutely no reason why it should take so long to establish automatic payments. Fifth Third is punishing their mortgage customers who do not bank with them and seems like they are actively trying to get those customers to fall behind in order to collect fees from them. Why would I bank with a company that isn't even located in my state of residence? Why is it so hard to get an accurate response to my request? And why must I send my banking information in an unsecured manner in order to have automatic payments set up on my mortgage account? 

I thought all mortgage servicers used XXXX XXXX XXXX XXXX XXXX to service accounts. If that is the case, then automatic mortgage payments from ANY bank account are a standard feature within the XXXX XXXX servicing platform, with weekly, biweekly and semi monthly options becoming standard options around XXXX. What system are you using that is so far behind you are unable to set up payments for all of your customers?
Product: Credit reporting or other personal consumer reports

This morning, I came across unauthorized inquiries on my credit report, which completely caught me off guard. My routine credit check revealed these discrepancies that werent there before. I tried refreshing my browser, assuming it might just be a display issue, but the problem didnt go away. Im deeply frustrated by this and insist on a detailed review of my submitted documents to prevent such problems in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am having significant trouble with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  ) a nd having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB , OCC,  and other regulators concerning illegal marketing practices of WFC.     To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Act  ( "  FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and Equifax are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation,  XXXX  reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on  XXXX   XXXX ,   XXXX  . However, Equifax reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.     The above instance of conflicting information is just one example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Product: Credit reporting or other personal consumer reports

A while back I had an issue with XXXXXXXX XXXX 

They had closed my account and charged it off in the amount of about {$250.00}. 

I've since paid that charge off amount and have asked XXXX XXXX to remove my information from ChexSystems in a gesture of good faith. 

It hasn't been removed yet.
Product: Mortgage

I am XXXX yrs old and have paid Select Portfolio for a second mortgage since XXXX in the amount of $ XXXX with a maturity date of XXXX. Had them on auto payment and paid they XXXX and when I realized it and stopped payment, they are trying to foreclose on me saying I still owe $ XXXX. Plus I made two payments a month paying extra. My original complaint I was told by the manager the only way this would go away is if I submitted and identity theft report, I told him that is fraud and he said that was the easiest way out of this and they sent me procedures for doing it. This is all unbelievable. Please help me! 

They have class action lawsuits, please see this : XXXX XXXX XXXXXXXX XXXX  Thank you XXXX XXXX XXXX
Product: Mortgage

I receive spam email every week from Lending Tree. Clicking the unsubscribe link goes to a website that says " access denied ''. They keep emailing me and have a fake reply address on their emails.
Product: Debt collection

Portfolio Recovery called me 20 times this morning which is clear harassment. I called them and asked the why a they denied it. I have the call logs to prove they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2016, I have been disputing the chapter XXXX bankruptcy with Experian and XXXX. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.
Product: Credit card or prepaid card

This account with BRCLYSBANKDE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX and XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Checking or savings account

Chase Bank Customer Service Department Dear Sir/Madam XXXX I am writing to inform you that I have recently received a check from [ XXXX XXXX XXXX ] in the amount of XXXX, and I believe it may contain a corrected payment. I want to confirm that this check is legitimate and not fraudulent. 

The check was issued on XX/XX/2023, and the payment could be a correction for a previous transaction or invoice. To ensure that this payment is processed correctly and promptly, I kindly request your assistance in verifying the authenticity of the check and processing it accordingly. 

Enclosed with this letter, please find a copy of the check for your reference. If you require any additional information or documentation to confirm the legitimacy of this payment, please do not hesitate to contact me at XXXX or via email at [ XXXX ]. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the check 's legitimacy. Your assistance in resolving this payment is greatly appreciated. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX