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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX.
Product: Checking or savings account

I have like 8 accounts from Navy Federal Credit Union stating that these accounts are mines but the social security numbers and address wrong but they're on my Early warning as mines. I sent my ss card with my ss number and my driver license number which is all different. These are not reflexing good on my part of opening checking account and i would like them removed.
Product: Credit card

I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

When my home loan from XXXX was sold to or contracted for servicing by Ocwen, an escrow was assigned without my consent. The payment amount tripled. I was charged additional interest and fees for nonpayment of those amounts. In short, Ocwen refused to retake control of my note under the original terms. The escrow amount is bogus, XXXX dollars per more than I was paying for taxes and insurance. I have been unable to reach anyone at Ocwen who can explain the amount OR refer to language in the original note that required or permitted them to take such an action. Neither would they allow me to pay just the regular principle and interest amount without applying 2/3 of the payment amount to the escrow, so I could pursue a remedy. 

Needless to say, the much higher monthly payment cause delinquencies that accumulated, but not above the disputed amount. Now they are proceeding with a foreclosure auction this month ( XX/XX/XXXX ). To make matters worse, they sent notice to my renter. ( The property is an owner occupied duplex. ) I have never been able to speak with the same person twice at Ocwen. 

Can I stop this and make them work with me to relinquish the escrow on the loan? 

A person can work with local government on the taxes, if necessary, as they have to answer to the public!
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian customer service phone numbers are entirely useless theres no representatives to speak too, it would appear this is a reccuring theme for this company there are peoples livelyhood at stake here and being unable to contact them in anyway is rage inducing
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

BOA of accepted ( 2 ) deposits into my account {$6000.00} & {$3000.00} ( have to guess since BOA has denied me access to the account, I am not 100 % sure about the exact amounts ) BOA then blocked access to my debit card, mobile banking, online banking BOA asked me to call the FRAUD dept regarding questionable transactions on my account. 
WHY would BOA ask the consumer to clarify a deposit that BOA accepted electronically ; and then LOCK the consumer out of his/her bank account, for a decision only BOA could have made. 
BOA should have either denied the deposit ( s ); placed the deposit ( s ) on hold until they were satisfied that the deposit ( s ) that BOA accepted were legitimate. But BOA locked me out of my account and I dont even have access to the money that was in the account prior to the account being locked by BOA on or about XX/XX/2022
Product: Credit card or prepaid card

Chase dispute and the Chase executive office have failed to provide adequate reasoning and evidence for their denial of my dispute of prepayment made to a contractor. Chase claimed in my original dispute XXXX that they mailed letters to me stating that the contractor had rebilled my account as proof to support their claim that too much time had passed to investigate the matter. 

To provide a brief recap of that, the other party rebilled my credit card after I disputed them for not finishing their contract and walking off the job. Chase did not deny my right to rebill and instead stated that too much time had passed after I disagreed with their finding in writing. I know from working in customer remediation with executive offices at other companies that the elapsing of time is a valid reason to deny a claim but it is legally invalid when the company itself is the cause of the time delay. That is what occurred in this case. 

Chase originally attempted to state I didn't respond to their rebilling in time ; I did not know that the rebilling had even occurred until after the time limit had expired. I immediately contacted chase when the balance was reinstated on my account and only then realized this had occurred. As earlier stated chase responded to the CFPB complaint in XXXX by stating they had mailed letters to me during that period which I did not receive. 

In my complaint XXXX I stated that I had never received these letters from chase ; no notification was shown on my account on their website either which I logged into almost daily during the period where this incident occurred. In their response to this dispute chase admitted they didn't have any proof of letters being sent out, handled by a mail carrier, or delivered to my address. Another note is that the Chase executive office called me on Friday XXXX, 2020 to tell me that their response to my dispute was in the mail. I have not received this either. 

I would also like to add that during this dispute period Chase without my consent withdrew in excess of {$3000.00} from my bank account resulting in a bounced check that I had made to another person. They also posted interest fees to my account while CFPB complaints were pending against them.
Product: Credit reporting or other personal consumer reports

I want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed. So please remove the accounts from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On or about XX/XX/XXXX I filed a complaint with Navy Federal Credit Union regarding two purchases made. These purchases were made to buy airline tickets with two airlines ; XXXX XXXX and XXXX XXXX. Navy Federal Credit Union is failing to properly investigate my claim. When they resolve my claim, they indicate that I used the airline tickets when in fact I did not. 

The disputed transactions are : XXXX XXXX on XX/XX/2018 for approximately XXXX XXXX XXXX ( approximately {$100.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

XXXX XXXX on XX/XX/2018 for XXXX EUR ( approximately {$160.00} USD ). The record locator number for this cancelled ticket was XXXX. This ticket was for travel on XX/XX/2018 from XXXX XXXX to XXXX XXXX. 

Neither of these two tickets were used. XXXX should ensure the airline is referencing these two tickets when disputing the transaction. 

I furnished documentation proving that I cancelled these two tickets and the airlines agreed to issue a refund. Nevertheless, XXXX continues to claim that I used the tickets. I believe their confusion may be that I did purchase two other tickets with the same airlines after these purchases were made, but they are either disputing the wrong transactions with the airlines or the airline is giving them the incorrect information on the used ( but not cancelled ) tickets.

To be clear, there were four tickets purchased. Two were used ( and are not disputed ) and two were cancelled. 

I have asked for a representative who handles the dispute to contact me, but I do not receive a phone call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT.MY WALLET INCLUDING MT DEBIT CARD GOT STOLEN. TD/NORGSTROM HAS REFUSED TO REMOVE THE ACCOUNT EVEN THOUGH I PROVIDED A POLICE REPORT.
Product: Credit reporting or other personal consumer reports

I ask Equifax to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX off my credit report. I did a dispute but nothing happened so I try to do it again today XXXX and it doesnt give me a option to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against all 3 credit bureaus : XXXX, Transunion and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX bank since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX bank account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX   claim as a last warning in case that account still reflects on my credit reports.
Product: Student loan

I am asking ( again ) why these payments are shown as " ineligible '' towards counting for forgiveness : XXXX, XXXX ; XXXX, XXXX and XXXX, XXXX. Mohela says that I was " in forbearance '' I didn't ask to be in forbearance and I made those XXXX payments on time. I need them to be counted as eligible to move me closer to my loan forgiveness. Can you help? Thank you. 


P.S. I originally asked about this in XXXX, XXXX. At that time there were four payments counted as " ineligible ''. Mohela fixed one, but not all four. No explanation was given from them. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.
Product: Debt collection

Jenkins Law firm acting on behalf of XXXX XXXX XXXX levied our bank account on the premise that I process server attempted to serve my spouse but he refused. The issue my husband was not at the location in which the alleged refusal occurred. It is impossible for him to be home at XXXX and he does not get of work until XXXX. With traffic he would not have been home at that time. If we had the opportunity to dispute or make arrangements we would have done so but the opportunity was taken from us. This appears to be a deceptive way for the law firm to collect. Now the law firm is saying they did not hire the process server that is between us XXXX and XXXX XXXX  and XXXX is stating it is the law firm that hired the process server. No one wants to be accountable for the mistake so that we can take care of the issue.
Product: Credit reporting

On XXXX/XXXX/2016 Experian reported a duplicate XXXX credit card on my report which increased my XXXX score by XXXX points. On XXXX/XXXX/2016 this error was corrected and the duplicate account was removed but caused my XXXX score to drop by XXXX points. This inaccurate reporting and mistakes made by Experian has made it impossible for me to qualify for FHA home financing which requires XXXX or more XXXX score. my scores dropped from XXXX to XXXX due to errors made by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  & XXXX XXXX
Product: Debt collection

My XXXX account went delinquent back in XX/XX/XXXX-XX/XX/XXXX, I settled with a mediation company back in XX/XX/XXXX. Today I received a call from XXXX XXXX XXXX, of which they did not disclose where they were calling from in the aggressive voicemail of which stated my name and the name of the caller then followed by contacting you from the process division, I received an order from you, it looks like two pending charges were filed against you, now unfortunately because I'm unable to reach you by phone I will be actively pursuing you at either in your residential place up on that XXXX XXXX you have the right to contact the client to resolve your case voluntarily. Contacted XXXX directly they had no idea who this company was. They could not prove the original account number, when I asked for the information to contact their supposed client they told me to XXXX XXXX telephone number. They want me to email proof of the paid balance of which I have, but I do not feel comfortable emailing any of my information to them if they cant even prove to me who their client is.
Product: Credit reporting or other personal consumer reports

I requested a copy of my Equifax consumer report and I noticed that there where some inquiries that I don't have any knowledge of nor did I give anyone written instructions as to how to handle my report. I wrote to Equifax and requested them to remove the following inquiries because I did not Give anyone authorization to pull my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of the above inquiries where made with my permission. I asked Equifax to remove them or show me proof as to where I gave them permission and as of today I have received nothing.
Product: Credit card or prepaid card

IP address : XXXX geolocated at XXXX XXXX XXXX XXXX hacked into my XXXX account and charged my Chase Sapphire Reserve Credit Card ending in XXXX ( This card number was replaced because of the fraud ) for a total amount of {$6500.00} through XXXX XXXX charges. I have never purchased anything through XXXX XXXX and did not notice the transactions until later in the month and reported it to XXXX. They then told me to report the fraud to Chase which I did. Chase originally removed the charges and then contacted XXXX but XXXX has refused to take responsibility for the fraud even though I have an email from them stating they closed my XXXX account due to the fraud. I feel as though Chase has not advocated on my behalf and basically says I have to deal with the fraud amount even though I did not do the charges and are claiming I benefited from the charges even though they can clearly see the IP address does not belong to me or my spouse and is in an entirely different city. I appealed Chases decision multiple times and have got denied each time because they say XXXX is the one who has to take responsibility. I dont feel this is fair to me because regardless of HOW the charges ended up on my account, they were fraud and as a company who prides themselves on their fraud protection they should have noticed the abnormal charges and stoped them right away or informed me of them so I could have prevented so many charges from happening. I have filed a police report against the fraud and IP address where the charges came from but I dont know where to go from here because I can not afford to pay for {$6000.00} worth of charges that I did not do. I need help and has an individual person I myself do not stand a chance against such a large company as chase or XXXX.
Product: Debt collection

As displayed within a " Monthly Mortgage Statement '' dated XX/XX/XXXX that is enclosed hereto as Exhibit A ; a response letter to me dated XX/XX/XXXX regarding my complaint to the CFPB under complaint number XXXX enclosed hereto as Exhibit A1 ; and a " Payoff Quote '' dated XX/XX/XXXX enclosed hereto as Exhibit A2, XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continued to : falsely address and designate the XXXX XXXX   XXXX XXXX XXXX as the mortgagor for the subject mortgage loan when no such person existed. ; and falsely declare the subject mortgage loan is due for the payment that came due as of XX/XX/XXXX and the last payment applied was for XX/XX/XXXX, which contradicts the XX/XX/XXXX date of default claimed in Docket No. : XXXX as displayed within the complaint annexed hereto as Exhibit B ; and omits approximately {$21000.00} in payments that were made starting XX/XX/XXXX through XX/XX/XXXX of which approximately {$16000.00} was cashed by XXXX XXXX XXXX, XXXX ( XXXX XXXX ) as displayed within the checks enclosed hereto as Exhibit C. 

Since the inception of the most recent foreclosure action as of XX/XX/XXXX to present date, I have repeatedly raised the foregoing issues regarding the false date of default and concealment of nearly {$21000.00} of payments that I made with approximately $ XXXX being cashed, but the foregoing parties refuse to acknowledge their errors.