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

My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. Transunion wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, XXXX, and Equifax about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly XXXX and equifax are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper investigations and are just pencil whipping their responses they need to be held accountable for these violations
Product: Mortgage

I purchased this home in XXXX with XXXX XXXX as the loan servicer. Some time later the loan was sold to XXXX Mortgage and later to Midland Mortgage. Every since Midland Mortgage got the loan I have been having issues with everything from just rude people to getting lender placed insurance. At first Midland place an insurance policy on the home for the then balance of around {$30000.00} dollars. In recent years I was told that they had to place lender place insurance that would insure the replacement cost of the property - roughly {$140000.00} even though the loan balance was around {$20000.00} at the time. The reason Midland placed the lender forced insurance is because the insurance company I had insurance with canceled my policy stating that I needed to put a new roof on the home. I purchased a new home in XXXX of XXXX and could not afford to do repairs on the midland financed home. Around XXXX of XXXX, the tenant that I had in the home relocated to another state and I could not get someone else to rent the home. I started getting behind on the property and have not been able to get caught back up. I have gone to Midland so many times since then trying to at first do a short sale and then a deed-in-lieu. At first Midland would not approve the short sale because they said that the house had been rented more than 5 years during the term of the mortgage. I contacted the XXXX about this and they told me to ask Midland to do variance. But when I went back to Midland and told them what the XXXX told me, they miraculously told me that the short sale was approved and that they would be letting me know what short sale price they would accept. About a couple of weeks went by and they then told me that the short sale could not be completed because there had been damage reported to the home and an insurance claim was open on the property. I was later told that I needed to complete or have a contractor complete the repairs with the insurance check that was sent by the insurance company to Midland. Also I needed to pay a {$1000.00} deductible. I asked Midland if they would just apply the insurance check to the balance on the loan and let me try to sell the home on the short sale basis. Midland told me that I would need to either fix the damage and apply the insurance check toward the repairs ( plus pay the {$1000.00} deductible ) or figure out a way to sale the property and pay the payoff balance minus the amount of the insurance check. I was excited about the second option until when I received the latest payoff which has new fees of {$5500.00} that I do n't know what for. 
Now I am stuck with trying to sell a house that appraised for {$6500.00} recently and payoff a Midland payoff amount that has mysteriously increased from {$9000.00} several months ago to {$16000.00} payoff now. Lastly Midland stated that the deed-in-lieu was not an option unless I choose to fix the property damage. They said that if I choose not to do either of the options above, they would proceed with foreclosure!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : notified Experian someone had used my ID to try and open XXXX credit cards at XXXX XX/XX/XXXX. Placed fraud alert on all XXXX major companies. XX/XX/XXXX same person tried another card in my name same place XXXX. Experian Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by XXXX on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called Experian, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back XXXX times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
XXXX  XXXX XXXX I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX XXXX  XXXX XXXX Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
THank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my auto loan in full on XX/XX/2021. However the balance was never removed from my credit report so I filed a dispute. 

Equifax sent me dispute results. The file containing said dispute results is corrupted and will not open. 

Despite providing them with documentation showing that the XXXX note was paid in full, Equifax is still reporting that the account was closed with a {$5000.00} balance. They also dropped my credit score XXXX ( XXXX ) points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the company directly they have been no help in regards to resolving the identity that situation
Product: Credit reporting or other personal consumer reports

Dispute XXXX : Company Name : XXXX XXXX XXXX / Date ( XXXX ) : XX/XX/year> XXXX, XX/XX/year> The company listed above, I noticed unauthorized inquires on my credit report.
Product: Credit reporting

The County and Federal Courts do not report to the credit bureaus, I have sent several certified letters to Equifax asking them to delete the public records they attached to my social security number. In addition, there are freezes at XXXX, XXXX, XXXX, XXXX and several other companies that report public records, with files with my social security numbers. It is for these reasons that I know that they are lying with regards to validating these public records.I am requesting that they remove them immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an issue with my credit profile being split by Equifax, resulting in my full credit profile showing as blank and none of my accounts being displayed since XXXX has significantly impacted my ability to secure housing and car financing, as individuals and institutions are unable to pull my Equifax credit score or profile due to it being blank. 

This situation has caused undue stress and financial hardship as I am currently unable to proceed with important financial transactions such as applying for an apartment lease and obtaining car financing. I have made multiple attempts to rectify this issue with Equifax directly, but have not received a satisfactory resolution. 

I am requesting immediate intervention to resolve this matter and restore my credit profile to reflect accurate and complete information. If this issue is not addressed promptly and appropriately, I will have no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX reported what they called an unpaid medical collection in the amount of {$450.00} on my credit reports with all 3 credit agencies. I was not aware of the existence of this debt, but when I became aware of it on my credit report, I called the company that was reporting the collection, XXXX XXXX XXXX. They explained to me that XXXX XXXX XXXX had sent my account to collections. I did not agree with the accuracy of this explanation so I researched the issue and found out that XXXX XXXX had sent an old medical bill to an old address where I lived over 8 years ago. I never received any type of request for payment or an invoice. I went ahead and paid the entire amount in order to settle the debt and close the account, but I continued to dispute the accuracy of the information and also consulted with my attorney. I found out that XXXX XXXX had changed their accounting systems and much of their pre-existing information did not carry over to their new systems, so they were still using my old address. I had even gone into XXXX XXXX a few times after the date of this collection, and XXXX never told me that I had an unpaid balance. 
After going several different rounds of phone calls and dispute letters, I requested that the creditor provide me proof of the debt, as it was my hope to have this derogatory item deleted from my credit report. The way that TransUnion ( " TU '' ) handled this situation has caused my credit score to suffer even more. When I reached out to TU to dispute the item, TU sent a form to the creditor and asked them to validate that the debt was accurate. The creditor then simply checked a " Box '', to indicate that the debt was accurate, they provided no information to TU, and TU did not investigate the matter any further. TU instead, changed the date reported for this collection to a more recent date, which gives the impression to any lender that this is a new collection and is still open. I have been in the process of closing on a mortgage and this has hindered me significantly. TU is the only credit agency that is reporting this debt over and over again, refreshing it each time they receive a response back from the creditor in response to my dispute. This is a closed account, and paid in full. There is no reason for TU to continue to change the reported date, refreshing this collection. And furthermore, TU is not actually investigating the accuracy of the debt, they are only sending a form to the creditor, and the creditor is just saying " Yes '', it's accurate, with no supporting information.
Product: Bank account or service

A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.
Product: Credit card

XX/XX/XXXX - sent USPS money order by priority mail ( tracked & insured ) to arrive by XX/XX/XXXXXXXX  to : Capital One Attn : Payment processing XXXX XXXX XXXX XXXX, NC XXXX. The payment was not overnight rush. USPS shows being received on XX/XX/XXXXXXXX  at that post office box. 

Capital One representative said that Capital one was not the only business to receive mail at that box number, the representative said to mail it to the overnight address - Capital one attn : Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

The previous month, the payment was sent early in the month to the XXXX XXXX XXXX and was not recorded as payment until the end of the month. I was charged {$25.00} for that month for late payment. I also had to pay an extra payment because it took 3 weeks for Capital One to recognize payment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against TransUnion. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose. 

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, TransUnion has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements. 

I have taken the following actions : Submitted a formal dispute to TransUnion, demanding removal of multiple unauthorized inquiries. 
Provided supporting documentation, including proof of identity and address. 
Requested that TransUnion provide documented evidence of permissible purpose from the entities that conducted the credit inquiries. 
Warned TransUnion that failure to comply would result in a CFPB complaint. 
However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold TransUnion accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing. 

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I paid my Capital One credit card in full on the the XXXX statement and they charged me an interest payment. At this rate it will never go away. I paid it because they would not let me put the higher balance on my lower card or lower my interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an advertisement online for an Experian credit report, with FICO score, for {$1.00}. The advertisement indicated I could cancel online at any time. When I went to try and cancel the account, I found there was no way to cancel online. With some difficulty I found an email address. I emailed Experian indicating they should cancel my account. I received no response. I called the phone number to use the automated service to cancel. They were closed, and the automated service was unavailable. Experian has deliberately made it difficult for consumer to cancel their services, while advertising erroneously that consumers can cancel easily online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( B ) ) and to bring to your attention the presence of inaccurate information on my credit report. I have recently obtained a copy of my credit report from Equifax and have discovered discrepancies that I believe require immediate attention. 

The inaccuracies in question pertain to the following : - Chargeoff/Collection with late payments up to the current month XX/XX/23 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX , XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXXXXXX