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

I have reached out to MIB XXXX. And havent got a respond I would like my MIB credit report frozen! As they are reporting my medical information which goes against XXXX As well as new consumer law all medical bills under XXXX should not be reported! 

XXXX letter Sent XX/XX/XXXX XXXX attempt XX/XX/XXXXXXXX XXXX
Product: Credit reporting

Well, It 's 8 months ( and counting ) and nothing has changed at EquiFax. Now, you can talk with people ( mostly at call centers outside the US who are hard to understand because they have heavy accents ) who will only be able to enter a dispute into the same system and then give you a confirmation number ( same as before ). I have been fighting for 8 months to have my closed charge-off secured Home Equity Line of Credit Mortgage account info corrected within the EquiFax Credit File Dispute system. It has wrongly been reported as " Included in Bankruptcy '' and " Discharged through Bankruptcy '' when actually it was settled for less than full balance by the Lender before the bankruptcy was even filed. Someone at EquiFax must have " Transcribed '' the data incorrectly when received and re-entered into their copy of my credit file. Lender confirmed that EquiFax XXXX, since XXXX and XXXX have it correctly reported. EquiFax has been sent documented proof from me as well as the lender. EquiFax now wants me to have the US Bankruptcy court force them to change it by sending them some secret alert that will appear on their system. Otherwise, they say that they have no authority to correct their own mistakes ( But I guess they feel they have the authority to make mistakes and corrupt people 's credit files ). They are truly a shoddy shyster company still operating under the laws of the wild wild west back in XX/XX/XXXX when they started.
Product: Credit reporting or other personal consumer reports

I forgot my password to my account. I called Experian at XXXX to speak to a live customer service representative to request a password reset. The automative service confirmed the email address to where the temporary password will be sent. I checked my email account, and I never received it. I called back for a second request, and I checked the email account and still did not receive the temporary password the second time. I verbally requested to speak to a customer service representative and the automative service denied my request to speak to a live person. I need someone to contact me or provide me a phone number to speak to someone other than a machine so that I can change my password so that I can get access to my account and change my personal information and manage my account.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding the handling of my dispute letters. I submitted letters requesting verification of certain debts, providing all necessary documentation, including a notarized affidavit confirming that I am a victim of identity theft due to the Equifax data breach. Despite following the correct procedures and submitting the required documents, my disputes were not processed as expected. 

This situation has had a negative impact on my credit history, as the disputed accounts remain on my credit report without proper verification. I request a thorough review of my dispute and appropriate action to correct any inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I discovered I had been the victim of fraud. Someone used my information to lease two tv 's through a XXXX store in Virginia. After speaking with the leasing company, filing a police report, filing a XXXX complaint, and submitting a complaint to the CFPB, XXXX XXXX ( the original creditor ) acknowledged that this was a case of fraud, told me they bought it back from the debt collector it was sold to, and removed the account from my credit file. However, I have now discovered that Security Credit Services, who bought the debt from XXXX, is still reporting a {$1500.00} balance in collections with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/22, XX/XX/22 and XX/XX/22, amounts, call Capital One to resolve this issue with the company In according with Fair Reporting Act, this credit Capital One has violated my rights under 15 U.S. Code 1681c 602 states I have a right to privacy ; 15 U.S. Code 1681 604a section 2 a consumer agency can not furnish an account without my written consent and 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under open credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion - Violation of Consumer Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a major credit reporting agency, for egregious violations of federal consumer protection laws. My case highlights a severe breach of the Fair Credit Reporting Act ( FCRA ), necessitating your urgent attention and intervention. 

Despite my persistent efforts to dispute fraudulent accounts on my credit report, TransUnion has failed to uphold its statutory obligations under the FCRA. Specifically, my attempts to exercise my rights pursuant to 15 U.S. Code 1681c-2, which mandates the blocking of information resulting from identity theft within 4 business days, have been met with non-compliance from TransUnion.

Furthermore, my disputes concerning the fraudulent accounts have gone unanswered, contravening the provisions of 15 U.S. Code 1681i. This section requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a consumer dispute. TransUnion 's lack of response not only dismisses my consumer rights but also undermines the credibility of the credit reporting system. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes necessary actions to ensure TransUnion 's compliance with federal laws. I firmly believe that my case serves as a critical example highlighting the pressing need for robust oversight and enforcement to protect consumers from the adverse impacts of identity theft and credit reporting inaccuracies. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will address this complaint with the urgency and effectiveness it deserves. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I sent in a complaint about Bank of America, ( XXXX ) concerning my loan modification. Recently my income had dropped, and I sent a letter to Bank of America, explaining my problem and asking for a reduction of my monthly mortgage payment of {$830.00}. They sent me their response with a loan modification that costs more than what I was paying per month of {$840.00}. Obviously they are not interested in working with me to keep my home, which I have owned for 27 years. Also, they only call me when I am not home. How do they know when I am NOT home? They leave a message, and I call the numbers they give me and no one ever answers. Tricky. Tricky.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX Experian, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Product: Mortgage

NewRez bought the mortgage on our loan and sent us a letter stating where the payments should be sent. The initial paperwork listed an account number of XXXX and after we sent the payment, the next mortgage payment had account number XXXX. We made payments for the mortgage but were then harassed with numerous phone calls, emails and letters stating that we were behind on our mortgage payments. 

On XX/XX/2023, Amount : - {$3100.00} Sent to : Shellpoint Mortgage Servicing Posted Date : XX/XX/2023 Transaction Type : ACH PMT Original Description : NEWREZ-SHELLPOIN ACH PMT XXXX On XX/XX/2023, CHECK # XXXX - Account Number- XXXX Checking XXXX Posted XXXX XXXX, Amount {$3200.00}. 

On XX/XX/2023, Amount : - {$3200.00} Sent to : XXXX Posted Date : XX/XX/2023 Transaction Type : ONLINE PMT Original Description : NEWREZ LLC ONLINE PMT XXXX Additional Details : ACH WITHDRAWAL Throughout the time in question, we have received emails, telephone calls and regular mail stating our account is behind or that we missed a payment. When we tried creating an account with NEWREZ online, we had two account numbers we were provided and it took numerous phone calls to finally receive the account number XXXX. We have attempted calling to resolve the issue with NewRez and each time we are told that the company will launch an investigation to the issue and that our record in NewRez will be annotated as being paid and under investigation. We were never given any transaction/account verification that the investigation occurred. We continued receiving telephone calls stating we were late or behind on payments. And our record did not have any notes on it regarding an investigation which we would spend over an hour explaining the issue and told that someone would look into it. 

We have updated XXXX XXXX XXXXXXXX XXXX  's Bill Paying account to reflect the address and the account number as provided by NEWREZ. I am still receiving letters and emails stating that my account is behind and that I missed payments. I have sent NewRez copies of my bank statements and payment information to show that I have made the payments. 

As a XXXX XXXXXXXX veteran, I maintain my credit standing to ensure I retain my security clearance and do not take risks that would place my credit standing in any negative position. Having a financial institute state that I am late or behind on payments would do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for Texas XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on Equifax. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called XXXX 's Fraud Alert call center and spoke with XXXX. He confirmed that XXXX had the same item reported on my credit report with XXXX. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to XXXX that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that XXXX and Equifax ( and presumably XXXX also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Product: Student loan

I have been repeatedly denied for a mortgage loan due to the wrong information being reported on my credit report. I have student loans and am currently in the Public Service Forgiveness Loan repayment program. According to government guidelines, a creditor ( mortgage company ) may use the payment that is reported on the credit report as the monthly debt. However, they are reporting my monthly payment as " XXXX  '' ( {$0.00} ) despite the fact that I make monthly payments. As a result, I have been denied a mortgage loan for the past two years. I have attempted to resolve this with the Federal Student Loan Servicing Agency and was told that the only thing they report to the credit bureaus is the balance and if it is paid on time. This is absurd. I have an auto loan and it clearly states what my balance is, what my monthly payment is, how long I have had the account, etc ... They are unwilling to change their practice of not reporting the actual monthly payment and as such, many of us are being denied mortgage loans. I have been attempting to resolve this issue over the past two years and it is wrong for them not to report a monthly payment amount. It makes no sense that I am paying on a loan that shows a XXXX  monthly payment amount. Does this mean that I don't owe anything every month? Of course not. Why? If I didn't pay because it says a XXXX   monthly payment, they would garnish my check and report it to the credit bureaus and my student loans would be in default. This practice of reporting a XXXX  monthly payment amount is hurting a lot of us who have student loans. We are being turned down for mortgage loans left and right despite having good credit and income. I need help as I have been waged in an uphill battle with this and can not get any resolution.
Product: Debt collection

I do not owe this debt. This appears to be a debt collection for the XXXX XXXX  XXXX XXXX [ XXXX ]. 
* I have called the XXXX and confirmed with the XXXX  that I have never owed them money. I confirmed this on XX/XX/2023. 
* XXXX has also confirmed that the do not know who this collection company is. 
* Additionally, I do not live in, commute on, or visit any area in the XXXX districts. I live in California. 

I receive the following message on a regular basis via SMS : This is Credit Management on behalf of XXXX. Please call XXXX or visit https XXXX XXXX We are a debt collector. 

I have received these messages at the following times : XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM XXXX  XX/XX/XXXX, XXXX AM
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. Quality Acceptance is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by Quality Acceptance to all 3 credit agencies. XXXX XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Debt collection

Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion Intermediate Holdings, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 FTC REPORT # XXXX 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, credit repair services, or other personal consumer reports

The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 ) XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) XXXX  XXXX
Product: Debt collection

I reviewed my credit report in XX/XX/2020 and found that I had an outstanding medical debt owed. I payed the debt in full. Subsequent checks of my report show that the debt was not paid in full and that there is still a charge that I do not owe. I have contacted Eastern Account System, Inc. via their contact page and received no response, nor has any correction been made to show that I have paid the debt in full.
Product: Mortgage

Carrington mortgage Services , LLC has struggled to properly maintain, adjust and make disbursements from my escrow account. 

Carrington failed to make my School Real Estate Taxes on time. Carrington 's 3rd party servicer ( XXXX  ) paid the bill late but Carrington used the inflated County tax bill with the Relevied school taxes to improperly reset my escrows without providing me with forewarning or the ability to discuss corrections to avoid an increase in my monthly PITI. 

I called Carrington on XXXX, XXXX and XXXX to discuss this situation with their Tax Dept. and their Escrow Analysis/CSR Dept XXXX Each dept. would refer me to the other as they couldn't answer my questions or resolve my concerns. I repeatedly requested to speak to a manager but was denied that request. On XXXX I requested a conference call between the two departments but that didn't happen ... ..and I was bounced from Tax Dept to CSR! 

Last year Carrington underestimated my escrows when my VA XXXX exemptions kicked in ... XXXXthey advised me that I didn't have to pay RE Taxes. I had to cover a two month escrow shortage before they fixed it.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>