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 XXXXtransunion has me at a score around XXXX. 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 n 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 4 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations remove all the attachment ftc violations The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Product: Debt collection

Global Solutions Biz LLC. Has repeatedly threatened me through email, phone calls, and text messages to me personally, my wife, mother, and distant relatives. 

Over the last 2 years ; They have threatened to sue me for fraud and stated intent to push for me to be fined and serve time in federal prison. They have recently repeatedly threatened to freeze my bank accounts and send a quick track enforcement team out to show up unannounced to my house and place of business to take inventory of and liquidate my personal assets in order to repay a business Debt of a LLC.
Product: Mortgage

Good evening, I have a home loan with PHH Mortgage Services loan number ( XXXX ). We recently filed a claim with our insurance company sometime last year it is now in the final stage litigation process. So, we can not obtain flood insurance from the existing insurance company without some sort of retaliation. During the first week of XXXXXXXX XXXX XXXX PHH Mortgage Services designated our area as a flood zone. As a result, we now pay approximately {$280.00} every month which is taken out of our monthly Mortgage payment. Although Hurricane season ends in XXXX, they chose to designate our area as a flood zone the end of hurricane season. We have resided in the area for over 18 years now. It has never flooded during hurricane season nor was designated as a flood zone before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid {$150.00} to XXXX XXXX. This was to close the account ending in XXXX for a lesser amount. The account was closed but yet to be charged off. XXXX XXXX had emailed me with the offer and I took it. Upon payment, I was no longer able to access account or details within the app, it now stated charged off after I paid the agreement amount. It was then put on my credit report as charged off. I was in a pre-approval stage of buying a home. After the incorrect entry on my credit report, I lost approved status. I can now possibly face XXXX  with my family. I was trying to do the right thing and it back fired. I believe this is predatorial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XXXX XXXX, 2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX  The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( 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: Checking or savings account

On XX/XX/2018, i responded to Citibank 's {$400.00} checking account package promotion ( promotion code XXXX ) and opened the account package ( both checking and savings ) online. Per the promotion term, deposit $ XXXX and maintain for 60days, and the {$400.00} bonus will be deposited WITHIN 90days. I satisfied the requirements on XX/XX/18 but as of today i still have not received the bonus. In the last 3 months i have contacted citi multiple times and each time i was assured that i had met the requirements and would receive the bonus in the following month, but it just never did. Two and half weeks ago when i called their 1-800 number and this time the rep gave me a concrete date. He said i should see the bonus by XX/XX/2018. XX/XX/XXXX passed and yet again no bonus. So i chatted online with Citi again last week asking them to investigate but she refused. She said they won't do anything unless i contact them after XX/XX/18! I can't believe more than 5 months now and they are still giving me the run around!
Product: Student loan

I received a letter stating that my interest reduction rate time period was up and to call to re-apply. When I called on XX/XX/18 I was informed that since my reduced payment was within {$50.00} of the regular payment, I do not qualify for a reduced rate. I was also informed I do not qualify for a forbearance or any other type of payment reduction, payment hold plan. This company has been a nightmare to work with from the start. They have taken payments from my and my cosigners checking accounts without permission, they have over charged, under charged and changed payment terms with no notification to me or my cosigner.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed below from my credit report, as I am a victim of a data breach. This request is pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide protections to consumers who have experienced identity theft. 
Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$820.00} XXXX. XXXX XXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amount : {$840.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$400.00}, {$580.00} XXXX. DPT EDXXXX Account Numbers : XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$120.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1300.00} 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 XX/XX/XXXXXXXX XXXX XXXX  ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report from Equifax but have been unsuccessful. Through the online method, the questions asked that are used for " security purposes '' were all asked about accounts which I have never had and used to deny my request for my report. I have also called to have it sent and was told by recorded message that I should receive it within 15 days, that was over a month ago. This company has been used to deny me getting services without having to place deposits and the information forwarded has been false and I can not verify what is being reported without seeing that information. Can I sue these people?
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 4 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

Plaza Mortgage XXXXXXXX XXXX, IL held my mortgage from XX/XX/XXXX until XX/XX/XXXX at which time they transferred or sold my loan to XXXX XXXX  XXXX XXXX XXXX of XXXX, Texas. On XX/XX/XXXX I sold my property and a payoff was sent to XXXX XXXX. The release of lien was recorded on XX/XX/XXXX in the County of XXXX, NC. 
Since then Plaza Morgage claims they transferred my loan in error and they have put my loan in collections and Loss Mitigation. 
I have been harassed by phone calls and collection notices. 
On XX/XX/XXXX I sent copies of the recorded lien release that were obtained from XXXX XXXX. 
I have written proof of transfer of loan and recorded lien release. 
When I called on XX/XX/XXXX Plaza Mortgage could not connect me with the correct department.
Product: Debt collection

In XX/XX/XXXXI fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with Equifax directly. The dates are as of said disputes are as follows : XXXX XXXX ( no response ), XXXX XXXX XXXX XXXX The accounts in question : US Department of EducationXXXX Equifax continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an Equifax representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident Equifax is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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.
Product: Debt collection

ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the XXXX dollar debt o XX/XX/2021 I filed a dispute with equifax that the account was closed on XX/XX/2021 on XX/XX/2021 equifax concluded its investigation stating the company verified the information. That can not be plausible nor possible if equifax actually contacted the company after XX/XX/2021 because they would've said the account has been settled and is closed. That shows equifax doesn't actually investigate adequately nor accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX BANK XXXX XXXX : {$3500.00} ; XXXX XXXX  Inquired on XXXX XXXX, 2023.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Reporting Dear XXXX XXXX Department , I am writing to formally dispute inaccurate information that remains on my credit report despite my prior attempts to correct it. My situation closely mirrors the issues raised in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlighted the companys failure to properly address consumer disputes and correct inaccurate credit information. 
The specific inaccurate information on my credit report is as follows : Account : XXXX XXXX XXXXXXXX, Payment history, Responsibility. etc Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX XXXX XXXXXXXX, Payment history, Responsibility.etc Closed account listed on my credit report for longer than 7years. 
I previously submitted a dispute regarding these errors on XX/XX/XXXX, yet the information remains unchanged. This failure to investigate and correct my report violates my rights under the Fair Credit Reporting Act ( FCRA ) and aligns with the allegations in the CFPB lawsuit, where XXXX was accused of mishandling consumer disputes and failing to provide proper updates. 
I am requesting that you : 1. Conduct a thorough reinvestigation of my dispute.

2. Correct or remove the inaccurate information from my credit file.

3. Provide me with an updated credit report reflecting these corrections.

4. Explain in writing your findings and actions regarding my dispute. 
If XXXX does not comply with its legal obligations, I will have no choice but to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and possibly take legal action for noncompliance with federal credit reporting laws. 
Please resolve this matter promptly, as inaccurate credit reporting has serious consequences for my financial well-being. I expect a response within the legally required 30-day period. 
Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/2023 city of XXXX XXXX approved me for {$20000.00} mortgage assistance. They said in order to get the funds my mortgage company Cardinal Financial would have to complete a vendor form, w9 and direct deposit form. I made contact with Cardinal 30 times thus far about forms being completed and as of today the forms are not completed and i feel like Cardinal Financial is refusing payment on the account while money and funds are being exhausted with the city of XXXX XXXX and if they dont recieve infomation i will loose the money
Product: Mortgage

We took out a second in XXXX for {$35000.00}. On XX/XX/XXXX we entered into a loan modification, we paid what they asked amounting to over {$9000.00} and they never modifidied the loan. We continues making payments from XX/XX/XXXX thru XX/XX/XXXX, at that time they sent our payment back and would accept I tried to contact them several times thru phone calls and letters, they never responded. The company at that time was XXXX  XXXX. Over the past years since then I have tried to contact the servicer with no response from them. On XX/XX/XXXX we recieved Notice of intent to accelerate for the amount of {$74000.00} from a new servicer Statebridge. The principle balance is $ XXXX XXXX XXXX they filed for forclosure. I started working with Iowa Mortgage Help, I don't remember the exact date. They referred me to Iowa Legal Aid they where able to stop the foerclosure for now. 
on XXXX XXXX we recieved a loan modification and a short payoff. The payoff was for {$80.00}. The modification was for {$10000.00} payment to do the loan, then {$60.00} at 10 % for 40 years. I called Statebridge to ask about the amounts and they could not give me answers that made sense. Statebridge sent another loan modification on XXXX XXXX. The same amounts just with interest not starting 6 months before the loan started. Iowa Legal aid sent it to the Attorney Generals office and the are now investigating the loan, they call it a XXXX loan. Iowa Mortgage Help advised me to file a complaint with this agencies as well. I am attatching the last two modifications from Statebridge. I do have all documents pertaining to this loan if you need more.