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

Hi, I have contacted Trans Union XXXX XXXX about this same fraud account XXXX XXXX, on my credit report & they have not truly investigated properly. They continue to allow this 3rd party collection agency to report fraud on my credit report when it is illegal. The customer representatives I spoke to are rude, hard to understand & extremely insensitive & lack compassion. All the other credit bureaus have helped me with this matter & Trans Union is difficult & the same with getting false inquiries off my report, they make their dispute process so difficult & complicated for consumers, it's why I didn't join as a paid member again, as I am a member of XXXX XXXX XXXX because they truly work with you & help you get the results you need. Im attaching my previous complaints & reports with this complaint that they seem to ignore. The company XXXX XXXX XXXX has NOT legally validated this fraud account & yet keeps sending trans union the same copy of a bill any one could open a fraudulent acct. This fraud account has not been verified & it can't be, legally, & yet they keep reporting it as inaccurate with no contract between me & portfolio recovery & no contract even with the original creditor XXXX  XXXX, NO WET SIGNATURE. Trans Union is violating my rights by reporting fraud on my account from a 3rd party collection company more than 120 days!! This is truly unfair, It's a few hundred dollars, if it was mine I would have been paid, however, I refuse to be a victim of identity theft & pay some one else 's debt. THANK YOU!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear XXXX XXXX XXXX XXXX XXXX. Federal Trade Commission & Better Business Bureau, I have a major issue with Experian CRA. I had request re-investigation on error on my credit report at-least ( XXXX XXXX XXXX times to remove " Inaccurate '' reporting of Bankruptcy. I have asked more than 4 times for information regarding " Error and details '' as well as the source of such reporting and " verify it the XXXX witch should be the bankruptcy court '' also who was the creditor and what was the amount on such stated Bankruptcy?? They just respond saying it is verified! I had contacted the Bankruptcy Court and New Jersey XXXX and received letters from both of them that the " DO NOT VERIFY OR REPORT TO ANY CREDIT BUREAU 'S! I also received a Court Letter from the " DISTRICT COURT OF NEW JERSEY '' VERIFYING THE DO NOT REPORT TO CRA 's. " THE COURT CLERK XXXX XXXX XXXX XXXX. CHIEF DEPUTY. CLEARLY STATING THERE WERE ( XXXX ) XXXX SEARCHES DOES NOT SHOW ANY MATCHES WITH MY NAME " XXXX A XXXX. I had forwarded these XXXX letters to Experian requesting removal of the " In-accurate '' reporting. They just responded stating again verified!!! I can not find employment because of background check showing such detrimental reporting also because of such financial situation from not being able to find work is leading to a possible Divorce and not mention I have lost my XXXX less than XXXX weeks ago. I truly and sincerely hope that XXXX can help with the removal of such distressful reporting. Thank you for your understanding and hep. Sincerely, XXXX XXXX XXXX. ( XXXX ). 


Their Response : XXXX XXXX NJ XXXX Dear XXXX XXXX, This message is regarding Complaint ID # XXXX Experian XXXX you for following up with XXXX regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX XXXX XXXX as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' If you would like to pursue this complaint further it XXXX be helpful for you to contact the following agency ( XXXX ) : Federal Trade Commission XXXX Washington DC XXXX Website : XXXX I have tried to contact FTC, and were referred Bureau of Consumer Financial Protection XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

In fall XXXX, our mortgage was sold to Selene Finance. Our mortgage was an escrow mortgage in which our property taxes and home owners insurance was paid. In XX/XX/XXXX, i received notification that our property taxes as well as our home owners insurance had not been paid. Selene Finance argued with me that our mortgage was not an escrow mortgage and when i asked why our statement showed funds being paid toward escrow, they still said i was wrong. After numerous calls, they realized that our mortgage was in fact an escrow mortgage and they took care of the property taxes and i had already paid our home onwners insurance because i did not want our home to be uninsuured and have further issues regarding that matter. My insurance agent sent over the eclause for our insurance to be covered and we were told everything was set up and this would not occur again. Fast forward to XX/XX/XXXX, i receieved notice that my home owners insurance had not been paid again. They have paid my taxes but not my insurance. When i called, i was told again that my account is not an escrow account. Even though they seem to now be only escrowing my property tax, i previously had a mortgage that escrowed both and during the sale of my mortgage, clerical error must have occured and my loan is not set up to pay insurance. After asking numerous times and trying to sort this out, Selene Finance has still not fixed my loan.
Product: Money transfer, virtual currency, or money service

I received a direct deposit from XXXX on two occasions to my state-issued way2gocard in the amount of {$690.00} and {$690.00}. I transferred the money from my way2gocard to my bank account. I received a confirmation that it cleared. Money never went to my bank acct. I called conduent and they stated that XXXX does not allow transfers and the money would be back on the card in 10 days. Nothing appeared. Called conduent back they confirmed the routing and acct # and disconnected me several times. I called XXXX they stated that the information provided was not true and they would esclate to a supervisor. Never heard back. Called conduent back, at this point they said the routing number was incorrect, verified and said the oney would be back on the card in 10 days. Nothing. Called Conduent again and they told me they would mail a dispute form, I received filled out an sent back on XXXX. They then sent a letter saying the money went to my bank account and to contact my bank. I contacted XXXX XXXX XXXX and they assured me the money was never sent to my bank. Now when I try to reach conduent, they disconnect my number automatically. I try from a different number and can get through but eventually after holding for over an hour it disconnects. I recently received a call and form letter from XXXX XXXX asking for account info, which I have not provided. I do not know who can help. This all seems like a scam and they are stealing the unemployment money. {$1300.00} has disapeared from the Conduent way2gocard into thin air. It has been over 2 months. XXXX does not respond, Conduent does not respond. I do not understand how an agency like this can work with our government. Not sure who to contact at this point, or even if this is legit or an ongoing scam. Please help.
Product: Student loan

I have been trying for HOURS now to get in touch with Mohela - my loan servicer - for information on three payments I made in XXXX ( that I did not need to make ) that they told me could be applied to/in XXXX. I am on the Public Service Loan Forgiveness plan and have reached 120 payments, and I need those three payments that I made in XXXX unnecessarily to be applied to what I owe in XXXX. I have been trying literally all day to get them on the phone to verify that my account reflect this, but after waiting over an hour for them to call me back, I have currently been on hold for almost two hours waiting to speak to someone. At this point, I think they are engaged in fraudulent, illegal activity- it's not normal for them to be avoiding people 's calls like this. As a licensed attorney, I am prepared to take legal action if necessary and join the pending class action lawsuit being prepared against them. This is completely unacceptable and unprofessional, and I think it is also illegal.
Product: Credit reporting or other personal consumer reports

The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account withouth my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX Account has been closed since XXXX closed XXXX with no reason. Before I made all my payments on time and was never late and they abruptly closed my account claiming I'm supposed to keep a deposit of {$500.00}. I give them the deposit and they kept giving it back to me... For 8 months or since I open the account they had the deposit and I had no access to it because it was not even in my account. Now they are reporting they closed the account in XXXX when they closed it in XXXX. XXXX they are reporting late payment in XXXX when the account been closed since XXXX closed by them with no reason. XXXX they've added many fees to the closed account that every time I make a payment it doesn't make a difference and are using the credit bureaus to hurt my credit. Credit bureau needs to stop bringing my score down on a closed account that the company are reporting on fees they are creating. They are reporting late payment and payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when the account has been closed since XXXX. When the account was closed I was making payments and balance was lower than the credit limit now because of all the fees it is reporting I'm over the limit. This type of practices are not fair. 
Also they need to remove the comment that I dispute the report and it was resolved because they are not doing what the resolution is so the statement are not true.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX
Product: Prepaid card

Received {$100.00} AmEx gift card. Unable to use it anywhere -- local stores, XXXX, other online retailers. Get a message that says " payment did not go through '' or " there is something wrong with your card. ''
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 card

Take a look at the attached documents. I'm urging the bureau to commence an investigation into these accounts, where I have a perfect payment history, yet they are incorrectly indicating that I am late.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there were many fraudulent things on there. So I did a letter disputing these things as fraud and I havent heard any response fixing the problems or making changes on my report. I did my first letter back on XX/XX/2021, disputing 5 accounts and gave them 30 days and I didnt get a response sent out the second letter demanding to delete these accounts immediately. Still no response from them.
Product: Vehicle loan or lease

Wells fargo auto were dishonest with fees and repossession.. I was nor given an option to get vehicle back... it was during the time of a lawsuit against Wells Fargo auto.XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit card

I have a XXXX XXXX that XXXX XXXX XXXX XXXX XXXX. I already pay a percentage plus a fixed dollar amount per transaction for credit cards. I've learned that my processing fee for American Express cards will increase from 2.9 % + {$0.00} to 3.7 % + {$0.00}. And I do not believe that this fee should be passed on to customers. It is hard enough to be a struggling small business, and to have this forced upon my bottom line is making a hard time harder.
Product: Credit reporting or other personal consumer reports

I have asked the credit bureaus to do a Theral review of my credit records, they did. but when I review myself, I found a lot of inconsistencies regarding fraudulent activities on my credit report. ( Please see the attached for all inconsistencies found and fraud activities, accounts listed to my credit report that arrent mine that I have no knowledge of. ) according to the fair credit reporting act convergent accounts that are listed to my report are a violates my rights 15. usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish account without my written instructions.

I these accounts are to be removed deleted from my credit file.
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint against Planet Home Lending because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a XXXX recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : Planet Home Lending Date of Enrollment in XXXX Recovery Modification : XX/XX/year> What Happened : I signed up for a XXXX recovery modification with Planet Home Lending on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But Planet Home Lending is still reporting late payments to XXXX, XXXX, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my XXXX recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get Planet Home Lending to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX XXXX XXXX Credit Bureau XXXX, Account Number : XXXX SSN : XXXX This has been the most unfair inconvenience that I have EVER experienced regarding errors on my credit report. There is no way of resolving this account. I have disputed it MANY times to NO avail. It continues to come back as verified although every time I call XXXX ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, and Capital XXXX ( XXXX ) XXXX, NOBODY CAN LOCATE THIS ACCOUNT. How does it come back as verified when XXXX can access the account?? I have sent certified letters to XXXX regarding this HUGE inconvenience and received a response that they can't help me. XXXX is the only bureau that has provided me with some relief and removed the account because they said it's unfair and against the law to leave it on my credit report. XXXX ended its partnership with XXXX Bank ( the card issuer ) and partnered with XXXX XXXX. It has now ended that partnership and partnered with someone else. Meanwhile, I am in limbo unable to speak to anyone that can help me to get this removed from my credit reports. This is a huge inconvenience and against the law. Regular people shouldn't be left to deal with the fallout from XXXX mergers. I spend hours EVERY SINGLE DAY regarding this, and nobody has any information on this account. I have included news articles that show XXXX 's ending of distributors of its store credit card and I'm certain that I'm not the only person that this has happened to. Please remove this account from my XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I'm lodging a personal complaint about late payments on my credit record. Upon review, I've identified these late payment entries. I sent inquiries over 30 days ago but have received no response or proper validation. I'm seeking your help to resolve this issue quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Compnay continues to report that Im late on my credit report when it says that its closed. I have written them numerous letters for them to stop and they continue to report as if I owe them.