23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent Transunion a dispute letter because I noticed several inaccurate and incomplete information showing on my consumer reports. Transunion did not respond within the 30-day that is allowed. 15 USC 1681i clearly states that before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The CFPB is currently suing XXXX for not properly investigating disputes and failing to remove or reinsert errors on reports, threatening consumers access to credit, employment, and housing. And according to the FCRA everything on the credit reports is supposed to be 100 % accurate. I attached a FTC report including evidence of Transunion receiving my dispute letter and totally disregarding my dispute until I filed a CFPB report. I will also attach a complaint supporting the fact that XXXX are currently being sued by the CFPB for not properly reinvestigating disputes and fails to remove or reinserts errors on reports, which is the same thing you are correctly doing to me. Also Transunion just lets any creditor that doesn't have permissible purpose furnish any negative account. 
CFPB sues XXXX for Sham Investigations of Credit Reports Errors.
Product: Credit card or prepaid card

When I applied for the Citi XXXX XXXX select credit card, the adverisement on their website said " Earn XXXX XXXX XXXX XXXX XXXX XXXX  after {$2500.00} in purchases within the first 3 months of account opening... ", see attachment. I charged over {$3000.00} on the card and made full payment within the first 3 months of opening the account, but they only gave me XXXX bonus miles instead of XXXX as advertised. I contacted their customer service, but have not received any explanation or resolution.
Product: Debt collection

Company called my sister. When she spoke to them, they did not ask her for verification of identity. She said she was me to ask about the account because they would not give her any information. The man then gave her my entire social security number, home address, bank account number and routing number, email, and phone number. He just said are you XXXX and she said yes. She did not have to give any verification. He would not tell her what it was about and hung up on her. 

It is illegal to provide information without having the customer verify their identity. Anyone could of said they are me and got all my personal information.
Product: Checking or savings account

When I was with Wells Fargo I was charged fees for using my money and then stating I was in overdraft when I wasnt. Each month for 2 years I was charged XXXX per month and they stated it would get corrected and it never did. I contacted them about my settle amount last month and they stated I wasnt owed anything
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to each of the credit bureaus requesting that the incorrect information on my credit report removed. As of today, XX/XX/XXXX, I have not received any communication pertaining to this matter. My full name is XXXX XXXX XXXX XXXX My birthday is XX/XX/XXXX and my correct and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. All other information needs to be removed immediately. This is the letter that I sent : I am writing to formally demand the immediate removal of incorrect personal information currently reflected on my credit report. My full name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

The following information on my credit report is incorrect and must be removed immediately : Name Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple variations ) Previous Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX I demand that all incorrect names, addresses, and other personal information be removed from my file immediately as they are not accurate or relevant to my credit history. This erroneous information could impact my creditworthiness and lead to further confusion. 

I expect prompt correction of my file and written confirmation that this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and have contacted Equifax 's fraud department as well as it's consumer relations and provided them with a police report as well as an FTC affidavit for credit inquires that are as a result of ID theft. Equifax is asking me to contact the creditors who inquired, however when I contacted the creditors, they are referring me back to Equifax. This fraud inquiries are severely hurting my credit. 

XXXX XXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Complete Dept. Stores Inquiry date : XX/XX/XXXX XXXX XXXX Furniture, Etc. 
Inquiry date : XX/XX/XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I opened an account with Self so I can improve my credit a few months ago. I made a series of payments into my account but just realized the program was not explained well and seem to be losing money instead. I closed my account and asked for a refund but the company is only refunding a portion of my deposits and keeping interest. I was also charged about {$10.00} to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hasnt reported my credit card account to equifax and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told XXXX XXXX XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from XXXX XXXX  account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Money transfer, virtual currency, or money service

I noticed oneday tht money was transferred from my bank into my cashapp and sent to another user I told them tht my ex knew my code to my phone and moved my money from my bank and sent it to someone eles another issue they closed out my account and put my account in the negative I asked to talk with someone they told me it's no 1 I can talk to and can not discuss what was the reason for closing dwn the account
Product: Debt collection

As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB
Product: Credit card or prepaid card

I have 6 XXXX  backed credit cards ; XXXX acct ending XXXX, XXXX 's acct ending XXXX, XXXX acct ending XXXX, XXXX  XXXX XXXX   acct ending XXXX, XXXX XXXX acct ending XXXX and XXXX acct ending XXXX. I've had all 6 XXXX  backed credit cards for several years with an excellent payment history but, 5 out of 6 of my XXXX  backed credit cards credit limits were lowered/ and decreased without notice. I didn't have any past due payments on any of my credit cards with XXXX  and my credit file with XXXX, XXXX and XXXX  hasn't changed. I don't have negative payment history with any of my other credit obligations. I don't know why my credit limits were decreased. I have also been unable to obtain a credit limit increase with my XXXX backed credit cards while prior to the decrease I was always able to get an increase. The credit limit decreases from my XXXX backed credit cards has ruined my positive payment and overall credit history while my other credit obligations continue to reward and increase my credit limits. My credit took a big hit negatively after the lowered limits were reported. I would like more information regarding the reason for the decrease because I've never received notification of the decreases. I would also like a reconsideration of possibly restoring my credit limits on all my XXXX backed credit cards based on my excellent payment history and loyalty.
Product: Money transfer, virtual currency, or money service

I deposited a wad of cash that day at a bank of America ATM. The ATM was counting the amount when it suddenly stopped and I received an ERROR statement on the screen. It stated that this ATM was no longer working, so I needed to call the number on screen so they could help me with this issue. I did so, while still standing in front of the ATM, and they said they could see on their end that what happened was that the ATM jammed. So they would count, and credit me the cash that I deposited. 
They asked if I knew how much cash I deposited and I so no, because I just save up my cash from the tips I make at work ( I get paid in cash only ) and deposit it all at once. I did not count my money that day, because I was in a rush and just needed to deposit it. But it had been what I had made the past couple of weeks. 
I just received a letter from the bank stating that they are closing my case until I provided the XXXX things for them. First and foremost, they need to know the exact amount I deposited. Secondly, they are asking for a printed receipt that states the amount of cash I was depositing. 
Where am I supposed to provide a receipt that states how much cash it was? The ATM never finished processing it, as it jammed, so there was no receipt provided for me from there! 
There are cameras there at the ATM place where they can clearly see me depositing, the ATM jamming, and me calling on the spot and making a claim. All in front of the camera. 
How am I going to just lose all of my earnings because of an ATM misfunction? Is there something I can do about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/t 2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
Product: Mortgage

Called Mr cooper, Nationstar, to get the payoff on my mortgage on XX/XX/15, mailed in a check. Was not cashed after 10 days, called again and was told i could do a check by phone, got my ID and called back and was told, i could not. Spoke to a supervisor and was told my check was sitting there, but i needed an official letter and had to send a certified check. This was never told to me before. I was told my check would be sent back to me and a letter with the correct form to submit for pay off would be sent. It is now 10 days and i have nothing. i am XXXX years old, and believe i am being taken advantage of because of my age, so they can get interest on the mortgage. I had actually spoken to 3 people who all gave me the same address to mail check ; now they are changing the process.these are not nice or incompetent people, or both to do business with. 
My loan address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX unit XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The Progressive Management Systems sent a letter to me on XX/XX/2018 requesting that the balance of {$780.00} to be paid. However with further investigation of the collection agency during a credit repair, it came to my attention that the Progressive Management Systems license is inactive.
Product: Mortgage

Dear OCWEN : This letter serves as the formal notice of my intent to file a lawsuit against OCWEN. As a victim, we are seeking compensatory damages for time, expenditures and emotional damages associated with the injuries caused. We feel that it is in the best interest of OCWEN to settle without lawsuit, in which a lawsuit will bring national public exposure of the companies ' unfair business practices and make the company liable for the payment of additional costs ( lawyer fees, increased emotional distress, etc. ) that may result in a XXXX lawsuit. 
In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a breach in contract. This is due to the fact that neither OCWEN nor XXXX, XXXX XXXX XXXX ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving a motion that the loan modification contract should be upheld ( also attached ). 
Many instances of fraud is substantiated as OCWEN wrote a letter ( deceitfully ) stating that the denial that was sent in XXXX was due to unsigned loan modification contract. Later, however, ( in a recorded conversation that we possess ) they state that they DID in fact, receive the loan modification contract, XXXX, and the denial was really due to the judge not issuing the court order in a timely manner, which is beyond my control. Additionally, since the automatic stay was still in process, we feel that a denial should not have taken place. We also believe that OCWEN willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to XXXX XXXX XXXX XXXX XXXX within XXXX hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as they failed to give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both OCWEN and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. 
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners intoforeclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while notupholding previous contract
Product: Mortgage

In XX/XX/XXXX, I received a packet from Chase Home Finance stating that they were part of a class action lawsuit and I had been approved in the past for a loan modification. As part of the lawsuit, Chase was required to offer assistance to see if there was anything else they could have done for us. So I submitted the application and they placed me on a two month forbearance for XXXX and XX/XX/XXXX. My mortgage was current prior to submitting the documents. They placed me on a two month forbearance to better my situation, not realizing all those payments would be due and payable XX/XX/XXXX. I work in education, a forbearance to me is a stop of all payments and they added at the end of the loan. So I applied for another modification to get assistance with the two months I am now behind, to be told they can only offer me a short sale of my mortgage. I am so upset. Now I have maxed out all of my credit cards and over {$100.00} in XXXX XXXX fees just to get my mortgage current.
Product: Debt collection

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Product: Credit reporting, credit repair services, or other personal consumer reports

NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. REVERESE MY PAYMENT HISTORY I NEVER BEEN LATE ON MY REPORT IT SAYS I WAS LATE XX/XX/2019. 
1. Other information I would like changed XXXX  XXXX Account Number : XXXX I was never late 2. Other information I would like changed XXXX XXXX XXXXXXXX Account Number : XXXX I was never late 3. Other information I would like changed XXXX XXXX   Account Number : XXXX I was never late
Product: Mortgage

My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  After making arguments about a disputes items being investigated incorrectly I was transfered to a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. They refused to investigate that file for 2 years even while being requested to do so. 

Transunion incorrect reporting has let to me being denied for my new apartment due to their neglect and refusal to investigate and cross compare results with other agencies.

Specialist who ignored dispute information is liable for all damages both caused from loss of funds for applications and emotional damage for the discrimination they have acted out.