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 XXXX  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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

Started off with a federal loan through Sallie Mae Services with out my consent my loan information went to XXXX. Where they charged me several late fees, after my loans where in deferment for financial hardships. Which XXXX appears on my credit as late for non payment which is affecting my credit wordiness.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : XXXX TRANSUNION XXXX I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXXXXXX XXXX XXXXXXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank XXXX nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.
Product: Vehicle loan or lease

I purchased a XXXX pre-owned XXXX XXXX XXXXXXXX from XXXX in XXXX TX in XXXX. After almost a year of ownership my daughter was diagnosed with XXXX XXXX and I lost my job. 
I contacted Wells Fargo to set up a payment plan. No one ever responded to me and one morning I went out and my car was gone. I was told that if I wanted it returned I would have to pay several months in advance along repossession and storage fees.
Product: Credit reporting or other personal consumer reports

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With XXXX Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.
Product: Credit card

I continue to receive emails from U.S. Bank XXXX I am requested to make a payment to an account ending in XXXX. I contacted U.S. Bank at XXXX and they report I do not have an account however continue to send emails requesting payment. The account belongs to my deceased father XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports with XXXX XXXX, Equifax, and XXXX and noticed that there are several addresses, phone numbers, and names that are inaccurate or do not belong to me. My only name, address, and phone number is XXXX XXXX, XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX. All others must be permanently deleted from my credit report and file. My credit report must always report fair, accurate, and complete information only. Otherwise, there is a misuse of my information. I have attached my identification which shows my correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is practicing illegal reporting. Experian purposely is reporting inaccurate addresses on my credit report even after being notified on numerous occasions that the addresses was/is NOT MINE. Experian is defaming my charter by illegally reporting addresses on my credit report that doesnt and never have belonged to me. I have been denied credit because of this issue as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I've marked as inaccurate : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX We recently sold our house ( XX/XX/XXXX ). The process with XXXX XXXX XXXX XXXX XXXX I called and requested pay off on XX/XX/XXXX. Was told I had to request by email. I sent the email on XX/XX/XXXX. The first XXXX emails came back undeliverable. I called and clarified the email address and was told it was an error on my end. After XXXX failed emails all with the correct email address, the operator said he would make the request for me and that it would take XXXX business days no exceptions. We should have gotten pay off and wire instructions on or by XXXX/XXXX/XXXX which we did not. 

Fast forward to closing day, The closing attorney 's office also called and requested wiring instructions for the pay off. They were told XXXX XXXX would not talk to them because they were not on the loan. I called and authorized the Attorney 's secretary to get information for payoff. This was on XX/XX/XXXX We closed and still had not received payoff instructions. I called everyday ( despite limited cell phone service due to XXXX XXXX ). 

I finally received pay off and wire instruction on XX/XX/XXXX. The XXXX office promptly sent the wire on XX/XX/XXXX. They received confirmation on XX/XX/XXXX Now to my issue. 

My account has been reported by XXXX capital as being 30 days late twice, Once XX/XX/XXXX and again XX/XX/XXXX. Both are incorrect and need to be removed from mine and my wife 's credit report. 

Had XXXX XXXX done the right thing, I would not have had to fight so hard to get the payoff/wire instructions. which would not have made the payment go past 30 days in XXXX and the account was paid in full on XX/XX/XXXX so there is no way the account was late on XX/XX/XXXX. 

I need/request these late payments be removed from mine and my wife 's credit report ASAP. 

All calls are recorded with the company, you can listen back to the numerous times I have called and requested pay off, requested to speak to a supervisor ( I have never to date been called by a supervisor ) and requested to speak to someone to have these removed. 

We are in the process of refinancing our current house and can not move forward until you remove these fraudulent and incorrect reports on our credit. 

Attached you will see how it's being falsely reported. 

The account was paid off in XX/XX/XXXX so that is incorrect and had your customer service team done its job, we would have gotten the pay off when it was requested, and the account would have been paid off on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX  XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a fraud complaint with capital one and XXXX. The following account listed doesn't belong to me. 

Capital One Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Credit Card Amount {$6900.00}
Product: Mortgage

I recently purchased a house and my mortgage was serviced to XXXX XXXX from the originator, Bay Equity. My first months mortgage was due to XXXX XXXX but I had auto draft still activated at XXXX XXXX. XXXX XXXX withdrew the mortgage payment from my bank account and applied payment. XXXX XXXX is saying that they I should have paid them XX/XX/XXXX mortgage and it is now considered past due. Pretty much, both company 's believed I owed them my XX/XX/XXXX mortgage payment.
Product: Debt or credit management

Equifax is a massive multi-billion-dollar company that in return for this no compete against other companies and monopolistic position with extreme power over consumers well-being they must serve tens of millions of customers. Equifax at least has yet to remove the falsely reported payment late information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that both admitted to falsely reporting late payments. All negative information on credit report needs to be removed immediately and the creditor blocked.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : $ {$54000.00} XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Credit reporting

On XXXX/XXXX/2015 a hard inquiry was made on my credit report by XXXX XXXX XXXX. I went to the Car Dealership and spoke with a XXXX XXXX who admitted to pulling my credit report because he got my information from a third party source by the name of " XXXX XXXX ''. Regardless of whether or not how he got my information, I never consented or agreed for this car dealership to pull my credit report. He stated that he receive leads from these companies and use the information to run credit in order to see if companies pre-qualify for auto loans. This company never informed me or received my consent to run my credit report, which was a hard inquiry that causes my score to decrease. I am trying to rebuild my credit and these reckless inquiries damages my credit more.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It is 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 6 years now I have been battling identity theft. I have sent Transunion my FTC paperwork my court paperwork, paperwork they asked for and now i am attaching a new and update police report ( this is the 3rd one ) they are still reporting the fraud.
Product: Credit card

I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.
Product: Debt collection

This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.
Product: Credit reporting or other personal consumer reports

Someone used my identity to open two credit cards one with capital one and another with XXXX XXXX the capital one card was opened XX/XX/2023 credit limit XXXX $ and bill XXXX $ at this time.And the XXXX XXXX opened on XX/XX/2023 credit limit XXXX $ balance XXXX $ .I placed fraud alerts on both accounts and I also filed a police report.
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX 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: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my XXXX and TransUnion Credit report immediately : XXXX. XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

On XX/XX/year>, I received this notice for default dated XX/XX/year> with wrong information. 
The mortgage loan is in my name as XXXX XXXX XXXX but this notice is in the name of XXXX XXXX XXXX and XXXX XXXX XXXX 
Neither I authorized nor the bank sought any authorization to add XXXX XXXX XXXX account holder. 
The bank is trying to manipulate and defraud the account without my knowledge or consent and this is illegal. 
Strict action must be taken against this bank as it is playing with the finances and life of the account holder.
Product: Student loan

I logged in to my Navient account after receiving a new payment coupon book this week of XX/XX/2019. Within my online account I saw that Navient had applied a forbearance to my account that I did not submit an application for, and it was a " disaster '' forbearance. I have not experienced a disaster. Navient said they would provide a response within 2 business days, but they have not responded. Navient also applied my XXXX payment to " capitalized interest '' instead of the monthly payment due for XX/XX/2019. In addition, within the new coupon book my payments were lowered but there is no explanation for why. Based on past difficulties with this company I am afraid to pay the lower amount in case it is another error and then they will say my " full '' payments were late.
Product: Credit card

On XX/XX/2023 I had my garage door repaired. I tried to use my card via XXXX XXXX XXXX so they could get the money sooner. But, my transaction was rejected. So, I called Customer Service to see why. I was told that platform was not an option. Neither was XXXX. Instead, I could go to the bank for a cash advance. I went to the Bank, with Teller assistance we found out that a pin was required, which I was not told till the rejection. The Teller even tried to assist me at the ATM first, before the call to Customer Service. 

The staff there seems not well informed and indifferent. I know I can't be the only person they have treated so carelessly.
Product: Checking or savings account

On XX/XX/XXXX, a bill pay was initiated from our Bank of America ( BoA ) checking account to a " XXXX XXXX XXXX '' for {$2900.00}. We ( XXXX and XXXX XXXX ) do not have such a card. Transaction may have been started on XX/XX/XXXX according to bank, but transaction date listed as XX/XX/XXXX. 

We initiated a fraud claim with BoA on XX/XX/XXXX ( XXXX ) immediately upon noticing, they started an investigation. We changed passwords and added notifications to the account. 

On XX/XX/XXXX we received a letter from BoA denying claim, stating that " transaction completed using a devise consistent with previous valid account activity. '' On XX/XX/XXXX we called BoA for additional information. The said it was paid to credit card account XXXX XXXX XXXX XXXX ( not ours ), and were unable to immediately identify what device initiated the transaction. They are supposed to be sending more info that has not been received yet. 

We called XXXX XXXX fraud at XXXX and they verified that the account above did receive a payment for {$2900.00} on XX/XX/XXXX, but were unable to do anything further. They said the account belonged to a " XXXX XXXX ''. 

We both pulled current credit reports and no new credit cards were listed in our names. 

On XX/XX/XXXX spoke to XXXX at Bank of America Fraud. He said that BoA cant provide specific device info, but identified it as a cell phone, IP address as XXXX, which is out of XXXX XXXX, MI ( near XXXX ). His theory is potentially the SIM card was swapped, but needed us to work with XXXX to provide some evidence of that. 

BoA will not re-open dispute without evidence that device was not in out possession. Recommended reaching out to XXXX. 

Went to XXXX store, unable to provide info but gave global fraud # of XXXX. Called number, referred to website to put in inquiry. Went to XXXX, XXXX XXXX XXXX and assigned # XXXX. 

Went to XXXX Police Station for copy of case XXXX. Case was closed, no info added beyond what we submitted. Police not taking action. Provided police with IP address update.