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

Upon checking my credit report with Equifax, I noticed it contained inaccurate personal information ; wrong addresses and employer information. I mailed a letter to Equifax listing my correct information along with proof ( ID, Social Security card, utility bill ) and asked them to correct my personal information. On XX/XX/2019 I received a letter from Equifax dated XX/XX/2019 stating that The disputed address has been deleted. The confirmation number Equifax provided on the letter stating that they have deleted the incorrect addresses is XXXX. However, as of today, XX/XX/2019 the wrong addresses continue to be reported on my credit report.
Product: Mortgage

I sold my house to pay for XXXX school and received XXXX in escrow from title. I was told at the end of my process the final payout was XXXX total with XXXX going towards my new house. I got XXXX and 8 days later I am being asked for XXXX back because title over paid me and made a mistake. I applied ALL the funds towards my XXXX school and am being harassed to pay the money or they will be withdrawing my entire XXXX that was paid. I have no idea how I am at fault for this and why Im being asked for money that I was told was mine 8 days after my money was given to me?
Product: Mortgage

This is additonal continuation of my current CFPB complaint ( XXXX ) On my current complaint, nationstar did not make my HOI payment despite my escrowing payment with them and no change to my HOI. Since that time, I requested they stop escrowing for my HOI and only escrow taxes. They made me submitt written conformation wich I did do. They called me on XXXX to confirm the did receive the request to escrow only taxes and had processed the request. 

Today I received my XXXX statment and they are still collecting for escrow of HOI. I have also been advised by my HOI company that I have been assesed a {$50.00} penalty for the lapse in HOU coverage stemming from Nationstar 's neglegence and not paying my HOI until I notified them it had not been paid. Their contiuing to bill me for escrow of HOI despite my written request they stop escrow of HOI is hurting my financially as they continue to demand that money every month eventhough I dont want it escrowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, please explain your false claims that I did not authorize my earlier complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to settle this debt with Cach for several months now ( from XX/XX/2020 to present ) and all I get is the run around from them. The debt is in the amount of {$2700.00}. There was a good offer of 50 % but I didn't take because I was short of funds. Then they asked for 70-80 %. WHY????. Do they just scam people and offer one thing then would you tell them you are short funds they ask for more money. If I can't afford it at 50 % what in the XXXX makes them think I can at 70-80 %. I'm offering a deal at 40 % which would be {$1000.00} and is more then fair. This is best and final!!
Product: Money transfer, virtual currency, or money service

Since Tuesday night my complaints escalated to a supervisor on this morning XXXX then appeared XXXX lied that I did not have a claim after Tuesday night around XXXX XXXX indicated I had a claim that would take 45 days to resolve and transferred me to claims which was closed. 

I talk to XXXX around XXXX today whom were very rude that I did not have a claim and hung up the phone in my face said she were in XXXX  XXXX. I then requested an supervisor to address both issues and XXXX said she are in Texas. I believe she lied when she said I did not have an claim on my unemployment ending XXXX. 

Fraud confirmation no. XXXX Fraud Services Department XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has yet to answer to why XXXX appears on my credit file in which they say. I don't need to provide documentation due to the fact Transunion has not provided nothing from XXXX in regards to why hard credit was ran with no documents on there part nor has Transunion provided any proof on there part to why XXXX is showing. on my Transunion account I did not give sign or agree on phone or internet to running hard credit. Transunion does nothing but give some run around answer with no proof from Transunion.There has been nothing back to XXXX XXXX regarding them running credit nor has XXXX responded to transunion other wise to show any documents sign or permission giving to run credit. It's fraud and transunion has no proof and needs to delete XXXX or provide proof not me I have no proof from XXXX.
Product: Credit reporting or other personal consumer reports

Transunion These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XX/XX/XXXX Transunion Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give authorization or start these accounts
Product: Credit card or prepaid card

Two years ago, I heard from a fellow military officer that  Barclaycard was offering generous benefits to current XXXX XXXX service members who apply for their XXXX XXXX XXXX XXXX XXXX XXXX ( part of their Luxury Card line ). These benefits included waiver of the annual fee and 0 % interest on any card balances for the duration of XXXX XXXX service. I contacted the Barclaycard military  phone number and spoke to a representative, who confirmed that these benefits were provided as a goodwill for XXXX XXXX service members. He advised me that if I decided to apply for the card, I would need to call him back to provide proof of current XXXX XXXX service. I applied immediately online, was approved and called him back. He requested that I fax a copy of my current Leave and Earnings Statement ( LES ) to provide proof of current XXXX XXXX military service. I faxed this to him and my service was verified. I received a letter in the mail, from Barclaycard confirming extension of the aforementioned goodwill benefits and thanking me for my service. I was impressed by the generosity of the company and proceeded to use my card regularly with monthly transactions averaging {$1500.00}. 

I was surprised to receive a letter in early XXXX stating that my account was ineligible for benefits under the Servicemembers Civil Relief Act ( SCRA ) because my account was opened after I was already on XXXX XXXX. This was odd, because the benefits discussed during the opening of my account were referred to as " goodwill '' and SCRA was never mentioned. Further, I reiterated on multiple occasions that I was currently on XXXX XXXX and the Barclaycard representative requested verification of that status before extending the goodwill benefits for my service. Thus, Barclaycard already knew that I was on XXXX XXXX at the time that the goodwill benefits were extended. 

The same letter noted that the annual fee waiver would no longer be extended and payment of the annual fee would be required if I desired to keep the account open past XXXX XXXX, XXXX. Interest on any balances would remain at 0 % regardless of whether I decided to close the account or keep it open. 

Barclaycard 's actions represent a significant breach of trust and integrity with an XXXX XXXX military customer. To suddenly withdrawal generous goodwill benefits that were offered for the duration of XXXX XXXX service, and to mask such actions as a misunderstanding of SCRA benefits, is unacceptable. This places me in a precarious situation where I face the decision of closing the account, at significant impact to my credit score, or keeping it open with while paying an annual fee that far exceeds the benefits of the card, as compared to similar products offered by competitors. 

Barclaycard 's actions, as of XXXX XXXX, XXXX, may also  violate the Military Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent TransUnion a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from TransUnion. TransUnion is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to TransUnion.
Product: Checking or savings account

On the date of XXXX made a check deposit of XXXX dollars. Which they set a hold on the founds which they held a delay for approximately 3days and only provided XXXX on XX/XX/21 of the XXXX dollar check..After about 9days from that date they provided the rest of XXXX on XX/XX/21 the remaining amount of the XXXX i deposited..i feel as if my money wasnt fully provided to me. I felt like i had either been skimmed or scamed out of the XXXX. The money only lasted in my account for like 4 more days after my statements where ether had over charged or double amounts pulled from the same transaction atm fees non-sufficient funds/NSF, and overdrafts that shouldn't have been on there since i banked with wells fargo they where very unprofessional about the situation and made me feel that i was wrong and wasting my time in trying to futher get explained where my founds where. I didnt feel like i would get anywhere with them i felt very helpless. I had to do my own investigation which i got refunded a few amounts of dollars which i had to get them to do desputes for. I feel that wells fargo kept or miss placed my XXXX dollars that i feel wornt ever placed in my checking account. Please help me get further founds and help me investigate where all my founds where spent and if they did follow protocol on delaying of my founds. I don't see why they would do such things with my funds from XXXX rental relief check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, TransUnion, XXXX, and XXXX, XXXX their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant difficulties as a result of the inaccurate reporting by these bureaus, which has affected my access to personal and business credit, employment opportunities, home buying, and rental applications. This conduct is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g, and I am seeking resolution for the removal of ALL negative items from my credit report.

I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from TransUnion, XXXX, and XXXX through written correspondences sent on XX/XX/2023, and XX/XX/2023. Regrettably, I did not receive the verification I requested, nor did any of the credit reporting bureaus delete the negative items as per my request. Instead, I have noticed negative unverified updates to my credit report, compounding the impact on my financial wellbeing. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act, and I am entitled to receive disclosure of all documents used in the verification process of the negative accounts. However, despite clearly stating my rights and demanding access to the verification information, all three credit reporting bureaus have refused to comply with my requests for disclosure. 

The repercussions of this failure to comply have been severe, affecting both my quality of life and my mental and physical health. I have been denied access to essential financial resources, employment opportunities, and housing options due to inaccurate reporting on my credit profile. 

Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that TransUnion, XXXX, and XXXX delete all negative unverified accounts from my credit report. I expect a resolution that aligns with my rights as a consumer and in accordance with the Fair Credit Reporting Act.

I have attached copies of the correspondences I sent to each credit reporting bureau for your reference. Additionally, please find enclosed any supporting documentation that may aid in your investigation.

I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights. I eagerly await your response and hope for a prompt resolution to this issue. 

Thank you for your time and consideration. 

Sincerely,
Product: Mortgage

This company refuses to pass this complaint into FTC or OCC. However, US Bank refuses to accept my endorsement. This complaint with the original documents to my mortgage keeps getting close whenever I upload my original documents to my mortgage because US Bank has add false documents to the file. This account needs to be closed and reported as paid in full to the credit bureau. As it has been because if you can't except my signed endorsements the company shouldn't be excepting my cash either than that really doesn't carry any value for real anyway as both are considered negotiable instruments anyway right
Product: Debt collection

On XX/XX/year> I was contacted by phone ( XXXX ) XXXX XXXX by Western Shamrock XXXX, Located at XXXX XXXX XXXX XXXX XXXX, OK XXXX. I spoke with Office XXXX XXXX and she advised me of an upcoming payment due, I requested information to retrieve an accurate amount of the debt I owed. XXXX stated, " Do not worry XXXX XXXX, we will take you to court and garnish your wages ''. Western Shamrock has documentation of my single source of income being my veteran 's XXXX. Since the date of being notified of being sued by Western Shamrock, I received two more phone calls on XX/XX/year> at XXXX XXXX  and on XX/XX/year> at XXXX XXXX from XXXX, as well as leaving a voicemail stating " it is important that I contact her regarding my account ''. Western Shamrock used threatening methods ( threatening to take me to court ) to attempt to collect a debt, a violation of debt collection fair practices of the XXXX
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Checking or savings account

Attempted Linking XXXX account and PNC Bank checking account. PNC Bank stated I was no longer permitted to have these privileges due to the prior amount of overdraft fees on my account. I believe this is unfair.
Product: Mortgage

In XXXX, my divorce became final and in XXXX I requested to refinance my mortgage loan. The representative told me I can't refinance my loan until after 2 years from the finalization of my divorce. At that time the rates were much lower and I could have refinanced with a lower payment. I lost my job in XXXX, then the Pandemic happened and I wasn't to find employment and I had to file for Chapter 13 Bankruptcy. I'm currently in a Chapter 13 Bankruptcy Plan, my mortgage was modified outside the Chapter 13 Bankruptcy Plan, the Trustee setup the payment plan amount for monthly amounts. Then, the mortgage company mailed me a modification plan attached ( see mortgage loan modification letter attached ) with a much higher amount then what's listed on my attached statements from the mortgage company, which list the payment plan amounts the Trustee setup ( see mortgage statement attached ). I was speaking with my Relationship Manager and he told me the amount on ( see mortgage loan modification letter attached ) is the amount I must pay and at the scheduled time. I couldn't make that payment because it was higher then the amount on ( see mortgage statement attached ) and I was receiving conflicting information from my Relationship Manager. I asked for a forbearance and they declined, when I didn't make the payment they withdrew from the Chapter 13 Bankruptcy, had the stay order lifted and filed for foreclosure with a sell date on XX/XX/XXXX. The Mortgage company is an affiliate of Ocwen Mortgage Services. I'm a XXXX XXXX XXXX XXXX and I don't want to lose my home. I've lived in my home for 25 years and I don't have no family here and no where to live and I don't want to be homeless. I asked the XXXX XXXX from the mortgage for more time to pay the much higher modification amounts and they sent me an email ( see email attached ), the same day stating if I don't make that payment the modification will be declined. I told him this isn't fair because they sent me the morning of the same day they ordered me to make the payment. I want this mortgage company to be investigated for changing the repayment plan amount to a much higher amount then Trustee ordered and to have the sale date canceled and to give me a stay.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why theyre there. I check my credit report regularly, and this time, out of nowhere, these discrepancies appeared. I even tried refreshing the browser, thinking it was a glitch, but it wasnt. The inaccurate accounts didnt disappear after refreshing. I need the documents Ive sent to be reviewed carefully so that I never have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.
Product: Credit card or prepaid card

I was late 30 days during XX/XX/XXXX paying CAP1/SAKs credit card in amount of {$43.00} due to moving and changing banks ( From XXXX XXXX XXXX to XXXX ). I assumed that the account was in automated payment, but when I switched banks, I missed switching it. As soon as, Saks Rep called me notifying that my account was late 30 days in XX/XX/XXXX, I paid the account in full and since than the account has been current or {$0.00} balance. I'm in process of buying a new construction house of {$610000.00}. My credit score is impacted negatively ( 15 points ) due to late payment of {$43.00} .During XX/XX/XXXX, I called twice, Saks customer credit reps asking to remove my late payment history of XX/XX/XXXX. They both said they can not go back 2 years in their system, therefore they advised me to submit a dispute directly with credit bureau. I did submitted a dispute with XXXX during XX/XX/XXXX and XXXX Dispute Report concluded that Saks creditor refuses to remove my late payment history of XX/XX/XXXX which contradicts what both Saks representatives told me. I believe, I'm mistreated by CAP/SAKs representatives, they lied to me and I will waist a lot of money in high interest mortgage for only one miss payment of {$43.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should be removed
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

XXXX XXXXacct # XXXX {$920.00} date opened : XX/XX/XXXX, XXXX XXXX-acct # XXXX {$5800.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} date opened : XXXX XXXX & XXXX, XXXX-acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXXacct # XXXX {$6600.00}, XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX-acct # XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$10000.00} date opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXX XXXX, XXXX-acct # 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 also states a consumer reporting agency can not furnish an 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.