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

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/2023, I sent a letter to TransUnion, requesting an investigation into the inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. Despite providing all necessary information and following the procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has neglected to acknowledge or act upon my dispute within the legally mandated timeframe. I have taken considerable care to ensure the accuracy of my credit report and to safeguard my financial reputation. However, TransUnion 's failure to respond appropriately has resulted in unwarranted stress and financial implications for me. I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

Enclosed with this complaint are copies of all relevant documentation, including the a copy of my original dispute letter to TransUnion and the response I have received from them.
Product: Checking or savings account

My account got hacked it, had to close it and open a new account it got hacked, closed the whole thing after 60 something years being with the bank. Closed my home and auto account with the XXXX XXXX the home and auto the XXXX sent me a check for the home, somehow the auto was sent to the bank, I never authorized anybody but XXXX to pay my bills XXXX is saying a third person ( payment connection ) was authorize to pay my bill that's what the checking account was for in the meantime I'm in the middle I don't have my check for XXXX. I have no idea who this payment connection is.
Product: Vehicle loan or lease

I paid off my car loan on XX/XX/XXXX with a check for {$13000.00} When I pulled up the Illinois title and registration status as of today, XX/XX/XXXX, it shows Carvana LLC as a lienholder Ive called Carvana and they told me it is XXXX. That does their loans and its not them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify a debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation that an alleged debt owed by me in the amount of {$440.00} be verified by XXXX XXXX XXXX. According to the FCRA section 609 ( a ) ( 1 ) ( A ) they are required to verify through the physical verification of an original signed consumer contract but have continually failed to do so. The credit agencies in turn have allowed this account to be verified as accurate without providing the documentation that has been requested or even giving their method of verification which I have requested numerous times.
Product: Mortgage

For the past year, my attorney and I have been able to somehow succeed with a mortgage modification through or with Shellpoint mortgage services. The modification should have been finalized in XX/XX/2019? However! I have little to nothing provided to me via Shellpoint reflecting the finalization. Unfortunately as of XX/XX/2019 I have yet to receive the new modification agreement! However the expectation to continue my over inflated payments has not stopped, and although my mortgage is now " supposedly '' brought current, I'm still dealing with a debt collection agency being " Shellpoint ''!? I'm now being told that I'm 1 month behind in payments and that on XX/XX/2019 an attempted account withdrawal by Shellpoint had been denied. Well, there was enough to cover the transaction on the date indicated, in the account assigned for the withdrawal. Also to further back my complaint, there is absolutely nothing showing within my account that would depict the failed attempt. No NSF notice from my bank, no call, email or mailing from Shellpoint. Nothing!! 
Also, within the supposed modification agreement, the new rate of interest being charged to me is a whopping 5.75 %! In a current market where mortgage rates are being written at 3.5 % or less I find the 5.75 % rate to be unsettling and unjustified. We have also received notice the case hads been dismissed in it's entirety without prejudice. However! There is no case docket listed within the county clerks records?
Product: Debt collection

I was sued without any notice with a debt collection from Capital One. The debt was several years old. I came to work one day to see a garnishment on my pay stub that put me in to a pretty bad financial situation. I had tried to work with the settlement attorney to see if any other arrangements could be made, but they would not hear or accept my offers. 

After this went on for a few months, I got a call from the settlement attorney telling me about great settlement offers. I contacted my payroll department at work to find out the garnishment was revoked due to an incorrect filing. My payroll department did not release any funds to the attorney from the garnishment, and will be returning the funds back to me. I had called the settlement attorney to let them know this information. They refused to give me an amount to pay off the settlement, and are wanting me to attempt to set the offer amount in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove inquiries from Equifax Credit profile due to fraud. These inquires are as follows : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also contacted XXXX  and they have notified all credit agenicies to delete said inquiries from my credit file for an unauthorized application. ( See letter Dated XX/XX/XXXX ) I have previously filed a report and have yet to get this matter resolved ( See attachment ) Also on XX/XX/XXXX I have another unauthorized inquiry from XXXX XXXX  that is from an unauthorized application since I have no personal business with XXXX XXXX  I wish for this inquiry also to be removed.
Product: Credit card or prepaid card

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. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX acct # 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. section ( 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 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find incorrect accounts listed, and I dont know the reason behind it. I review my credit report regularly, but this time, there were errors that I had never seen before. I tried refreshing the page, assuming it might be a temporary issue, but nothing changed. Because of this, I request a careful review of the documents I have provided so that I no longer have to worry about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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.
Product: Student loan

I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am reporting a fraudulent Inquiries found in my credit report
Product: Debt collection

Nelnet Loan Services is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer  Financial Protection Bureau to meeting next month XX/XX/2019 in XXXX with Nelnet Loan Services, myself and document expect to look at promise note.
Product: Checking or savings account

Closed my account on XX/XX/2023 and got a check for XXXX dollars with Firist Citizens Bank got a paper in the mail from the Bank said XXXX in amount and XXXX over draft and XXXX over draft fees, on XX/XX/XXXX  dollar owe they say and on XXXX  2023, XXXX dollars they say I owe after a closing statement of XXXX owe on over drafts and over draft fees on XX/XX/2023 can you please help me
Product: Credit reporting

On XXXX XXXX, 2017 I attempted to dispute inaccurate information on my credit report pertaining to XXXX XXXX and a 30 day delinquency reported for the month of XXXX but was denied. XXXX XXXX has been an issue on my credit report for the past few months but Experian fails to conduct a thorough investigation in regards to reporting guidelines for creditors. XXXX XXXX continously reports delinquencies before the 30 day make has reached. The most recent occuring on my credit report took place on XXXX XXXX, 2017 when XXXX XXXX reported my account as 30 days delinquent. My payment is due on the XXXX of each month and my mot recent payment was submitted to XXXX XXXX by telephone on for XXXX on XXXX XXXX, 2017. At no time during my phone payment was it mentioned that I was past due for a additonal payment. The balance that wa reported to me when I asked was XXXX. My payment next payment due date is XXXX XXXX, 2017 and if an additonal payment is not submitted by that day then I would be considered 30 days past due. XXXX XXXX has a habit of reporting delinquencies well before they meet the delinquent mark and I have requested that Experian review my complete history with XXXX but instead they just confirm the informatin instead requiring documentation from XXXX XXXX. When I spoke with XXXX XXXX and file complaints against them they provide contradicting informaiton that suggest that they are follwing rules and in an attempt to stop any dispute process they try to request that I take a settlment in order to avoid arbortraion or any civil proceeding. I feel that Experian is allowing XXXX XXXX to provide inaccurate information purposely. I understand that each creditor reports information at differetn times of the month but my payment history reflects that payments were made before a 30 day dispute should have ben submitted. As of XXXX XXXX, 2017 I am 22 days past due. The balance they reported and the past due is also in correct. The balance that was reported t me was XXXX. Attached is a copy of my bank statement with my last XXXX payments and my original payment schedule which reflects that my payments are due on the XXXX day of the month which reflects that my account is still in good standing.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Addresses on Credit Report I am writing to dispute several inaccurate addresses that are being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on consumer credit reports. 

The following addresses appearing on my credit report are inaccurate, as I have never lived at or had any association with these locations : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX The FCRA states that items of information that are inaccurate or incomplete must be removed or corrected upon dispute ( 15 U.S. Code 1681i ). Reporting inaccurate addresses associates me with residences I have never lived at, which could potentially harm my creditworthiness and ability to obtain credit, housing, employment, insurance, and other essentials. 

I am formally requesting that your agency investigate this issue and remove or correct the inaccurate address information from my credit file and any reports provided to third parties immediately. Please confirm in writing once the inaccurate information has been removed or updated. 

Thank you for your assistance in correcting my credit report pursuant to the Fair Credit Reporting Act. I look forward to your prompt resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL XXXX consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments
Product: Debt collection

COMMONWEALTH FINANCIAL added 2 accounts ( XXXX and XXXX ) to my report this morning and i am livid ... ..I never received a dunning letter from this company and this was added to my report without warning ... I know my stuff and know that this is a violation of my rights..I am supposed to receive a dunning letter which i never did ... I know why they added it quickly with no notice ... .A mortgage report was pulled on XX/XX/XXXX which i was prequalified and here we are on XX/XX/XXXX with these 2 accounts added illegally. I want these removed immediately as this was a violation of my rights. 

Not only is this a violation but they can not validate this debt as I have always had great medical insurance and am in the medical field and know how insurance works. At one point a collection agency by the name of XXXX XXXX  owned these accounts. I asked them to validate these accounts and they absolutely could not validate them and removed them from my credit reports ... How can COMMONWEALTH FINANCIAL validate them when all that they did was purchase these debts ... they got suckered into buying these as they can not verify nor validate these debts ... .I am in the middle of purchasing and these violations are killing my score and chances ... If these are not removed immediately i will be sending this to a consumer attorney to file suit as well as contacting the state attorney general in my state and whatever state COMMONWEALTH FINANCIAL is in
Product: Debt collection

I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.
Product: Money transfer, virtual currency, or money service

I have been trying for the past two days to get my money out of Paypal. A friend sent me a few XXXX dollars to help me out and PayPal decided hold the money. I was patient for two days. Now the clock is ticking and I could lose everything because they wont release MY MONEY. And, of course, its not allowing me to verify my identity. I uploaded the front and back of my card and then it wont let me take the picture of myself. This is absolutely unfair and traumatizing.
Product: Credit reporting

i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 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.
Product: Mortgage

This is the second complainant regarding Beneficial Mortgage Company, ( HSBC ). The first complainant involved unpaid taxes for XXXX and XXXX. Property insurance fee of {$4100.00} Notice from XXXX County Treasury for back taxes exceeding 4,200.00. and additional fees to my account by XXXX XXXX XXXX totaling over {$6500.00} Complainant # 2 involves my conversation with HSBC on XXXX XXXX, about an increase in interest fees starting after XXXX/XXXX/XXXX. I was told by XXXX XXXX that my interest fee would increase to 3.0 after XXXX/XXXX/XXXX. In 7 years the fee would increase to 4.0 and after 8 years the interest rate would increase to 4.4 percent. The statement from HSBC states my interest rate of 2.0000 % would remain the same through XXXX. I am enclosing a copy of my monthly statement from HSBC. The statement verifies the interest rate of 2.0 percent until the year XXXX.
Product: Credit reporting or other personal consumer reports

There was a data breach and all my credit reports were compromised and all my information on there is incorrect.