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

TransUnion Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, https : //www.transunion.com/credit-disputes/dispute-your-credit, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my TransUnion Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the TransUnion Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.
Product: Mortgage

I was in the application process, I was told I was required to pay for an appraisal and the counceling Longbridge staed they would need to collect XXXX and they did. In an eamiled I asked if there were any other fess XXXX XXXX the represanative stated no. After the appraisal was complete the compay wanted me to pay money to get the loan I was not interested so I inguired at a nother company XXXX XXXX XXXX I am currently in the loan process with them whne I asked to have my appraisal I was told I needed to pay another XXXX which I was unaware of I had already paid the approaisal fee, but in order for me to get the appraisal I had to pay the fee, when I called XXXX XXXX I stated my dis satisfaction in his lack of disclosure he was very indifferent about the " lie '' he stated it would have to be handled by a different department and they would contact me which they did and I was foreced to pay the fee to get my appraisal. He also whiched me good luch and stated that I was cute I am assuming that was based on my XXXX picture because we have never met. As a grown women I find this comment to be extremley offensive and his contact to be sneaky and deceptive. I am hoping you can help with this issue. I do not feel I should have to pay the extra {$370.00} for my appraisal. I have the emails as documentation. 

XXXX XXXX
Product: Mortgage

We contacted our lender XXXX Mortgage in XX/XX/XXXX and told them I had been injured with a XXXX and was removed from the State of XXXX. Husband had lost his job and insurance due to having to leave a job in XXXX to come save my life in XXXX. XXXX XXXX XXXX diagnosed XXXX XXXX XXXX, due to my XXXX there was nothing else that they could do for me. On XX/XX/XXXX my husband brought me to XXXX XXXX where I could receive emergency treatment for Brain injury, neck injury and starvation. We were approved by the VA for a special circumstance approval for short sale. However they refused to provide the needed documentation in order to complete the sale. Instead they sold our loan to Freedom Mortgage Company and set the Auction for XX/XX/XXXX. We had another short sale buyer but could not get the needed and required documents from them either after repeated calls from us and our real estate agent. Our buyers were there for the auction however no one should up. I called them and was told it had been postponed for the short sale they would not cooperate in providing the documents. Auction rescheduled for XX/XX/XXXX. 
Legal notifications do not required the correct spelling of our names in the State of XXXX just the correct number. However to get the VA insured loan our documentation had to be complete and correct.
Product: Credit reporting or other personal consumer reports

Experian report contains identify theft account, whuch must be removed immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received a declined credit notice from headway capital when I never submitted an application or had any contact with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
Product: Mortgage

To whom it may concern ; Midland mortgage, is still being deceitful in their dealings and business practices with me. On XX/XX/XXXX I filed a claim against them for not being clear about my recovery options and being illusive in regards to the calculations I received. On XX/XX/XXXX at or around XXXX XXXX  XXXX, XXXX XXXX offered me XXXX for my new monthly payments, which I accepted. I wrote in to CFPB make sure it was calculated according to the rules, due my poor experience with Midland mortgage. Midland mortgage responded stating, that is the agreement and to get my utility bill in asap. I immediately complied and sent them the document. After calling in several times, they finally verified receipt of document and later sent a letter confirming. On or about XX/XX/XXXX I looked at the modification Midland mortgage has sent and it is totally different than the amount we agreed to and it has a higher interest rate and amount to the price of XXXX. I called in and spoke to a loss mitigation officer who told me, that the interest is calculated from the time it is offered. They made error in calculating my mortgage with the recent rates. The records clearly shows and confirms my offer was made on XX/XX/XXXX at XXXX XXXX by XXXX XXXX and confirmed through correspondence. Please find attached Midland mortgage modification, acknowledgement of offer and confirmation of utility receipt. Thank you
Product: Checking or savings account

Tried to open a savings account with XXXX XXXX XXXX XXXX XXXX ) and was rejected based on an email claiming they could not verify my identification. When I called them, they refused to tell me specifically why I was rejected. The person said they do not have access to the information and recommended I try to open the account again with a different browser. I tried two more times with another browser and another device and still could not open the account. I talked to a supervisor named XXXX who could not tell me the reason I was rejected and that there must be something wrong with my credit or other information I provided. I noted that I opened an account at another online bank with the same information they required and it was approved with no issues shortly after being rejected by them. I asked him to look at my application to see what the issue was. He claimed that no one has access to the rejected applications. I asked if he can put me in contact with someone who can and he said there is no one who can access the information. I then asked if they can manually submit an application and he said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous XXXX complaints those are alleged debts and even those billing statements are false and misleading XXXX am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!
Product: Checking or savings account

OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. 

Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.
Product: Credit reporting or other personal consumer reports

UN-AUTHORIZED INQUIRIES 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 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021 & XX/XX/2021 respectively, Equifax, XXXX XXXX XXXX received via certified mail, FCRA 611 ( 15 U.S.C. 1681I ) disputes from me asking for verification of all disputed accounts & written METHODS OF VERIFICATION, to be sent to me ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of verification nor any written Method Of Verification from Equifax, XXXX nor XXXX. This is a violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have also fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF AN AUTO LOAN WITH XXXX XXXX ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX XXXX XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY XXXX YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM XXXX XXXX AND I HAD NO MISSED PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXXXXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I refinanced my home in XXXX. The mortgage company sent me separate checks to pay off my credit cards. I sent these checks to all my creditors including Barclay Advantage Credit Card. I called in advance and asked for the correct addresses. All the checks were applied to my various creditors except Barclay. They're claiming they never received my check. I sent it via certified mail and have a copy of the person 's signature that signed for it. I also have proof that they deposited the check to their account. My complaint is that they never applied it to my account and it's been almost 3 months! I've called numerous times and never get anything resolved. The amount was for {$7400.00}. Please help me!!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have an employer and I've asked the XXXX, Experian credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by XXXX, Experian. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by Experian and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.
Product: Credit reporting or other personal consumer reports

My information was exposed in 2 large data breaches one being XXXX the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX XXXX XXXX  This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FCU ( Finance ) is reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Debt collection

I have responded by mail to 3 collection letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from : XXXX Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Responding to Accounts # XXXX, XXXX, XXXX Each contained the following in the letter : Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

I signed and dated each one and have maintained copies. Despite instructions to cease contact I have received a total of XXXX phone calls and messages from XXXX XXXX of Credit Management Company 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: Mortgage

My mortgage was sold by XXXX to Carrington Mortgage. Upon notification I stopped the auto- draft from my checking that paid XXXX , so that I could pay Carrington XXXX Payment was made on the XXXX of XXXX by me. The auto- draft followed my mortgage to Carrington anyway and another payment was drafted in the XXXX of XXXX. When I realized this occurred I contacted Carrington who gave me a list of fax numbers to send my checking account summary to demonstrating the double draft. I did so. On the following Monday, three days after my first call, I called back and was told that all had been received and that my check for reimbursement would be here on Wednesday of the same week. Wednesday came and went. I gave it Thursday and nothing showed up by XXXX so I called Friday. I spoke with several different people- again they say they see where I was told that but do not know why I have n't received it. I was transferred to a supervisor whose name was XXXX, who promised to make my case his mission and call me back. He did not. All calls to him have gone to voicemail, and I have spent most of today listening to a system down recording. Finally I get through and after XXXX minutes in their VRU I am told to call back during normal business hours, which are XXXX to XXXX est M-Sat. It was XXXX on Monday afternoon. I have other accounts that have not been paid because of their inability or unwillingness to return my money to me. I am starting to wonder if they have just closed up shop.
Product: Credit card

I booked a rental car, made a contract with the merchant " XXXX XXXX '' and prepaid it. 
When I picked up the car, they asked me for the credit card to block the agreed security deposit.

Instead, they charged me another XXXX USD. I disputed the payment and Chase denied the dispute with the reason that charge was valid.

This is not true, I never agreed to the charge of XXXX USD and only wanted to pick up my prepaid rental car.
Product: Checking or savings account

deposited a check in my regions bank account. received bank documentation A notice of a hold until XX/XX/2021. Now the regions bank claims there's a hold till XX/XX/XXXX.