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

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE XXXX XXXX ACCOUNT ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. XXXX XXXX I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXostal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts : XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX On XX/XX/2021, sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I can still see it in my credit report. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. Misleading False Reporting : This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

For over a year, Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS OR TRYING TO FREEZE MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE. We are having technical difficulties. We appreciate your patience while we resolve this issue. 
THIS HAS BEEN THE SAME ISSUE FOR OVER A YEAR AND I CAN NOT KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX that is the information about the company behind XXXX on the contact us section. I haven't received confirmation or any contact once I submitted my complaint on their website. The situation being I can't access the free credit report weekly that they have now announced through the website through XX/XX/2021. I have tried to request the annual credit report online and it says that I have to call or through mail but I want the information now. They dont give an explanation. If it's because of identity they should have mechanisms to verify that and to my knowledge they have but they don't give that alternative. I am trying to mantain careful records to dispute information on my credit report and i need the information at the day i request it.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate late payments on my XXXX XXXX XXXX account ( Account XXXX XXXXXXXX ). The payment history reported by TransUnion does not match the records from XXXX and XXXX, and more importantly, it is COMPLETELY INCORRECT. This account should not have any late payments, as payments were made on time. However, TransUnion has falsely reported late payments in different months that do not align with the other credit bureaus. This misrepresentation is a direct violation of 15 USC 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in credit reporting. By reporting false late payments, TransUnion is actively damaging my credit profile with unverified and misleading information. I am demanding that TransUnion immediately CORRECT the payment history and REMOVE all falsely reported late payments. There is no justification for these errors, and this issue must be resolved without delay. I request written confirmation once the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Credit card Date opened XX/XX/2017 Status Paid, Closed. 

I opened a secured credit card with XXXX XXXX XXXX and deposited XXXX dollars to open the account and the credit line. After having the account for close to a year, I called and let them know I needed to close the account, and eventually went into the location and requested the card be closed and the secured funds used to close the account. The entire purpose of getting the secured card was to build credit and increase my credit scores. Sometime after the accounts were closed I got a ding on my credit report stating that the account was late. I worked exhaustingly through phone calls to ensure this did not happen as I was closing the account, and it still happened. I would like for the late payment to be removed from this account and to be reflected across all 3 credit bureaus. The account should also not show over limit because this is part of the misunderstanding on the final payment. It was paid in full and closed. I was working actively to protect my credit and it was my understanding that XXXX was working with me in this goal as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 heck 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 us 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX Unverifiable Acct.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Last XX/XX/XXXX someone open a checking account at Bank of American without me knowing it. Then transfer {$500.00} from my checking account to the checking out they open. So they took the {$500.00} and send it to remittance. So I told XXXX and they did investigate and gave me back my money and I closed the account they opened
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation of my consumer protection act po report sent to XXXX, XXXX, trans inaccurate information must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX 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: Credit card or prepaid card

XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law
Product: Mortgage

Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : FORMAL COMPLAINT CREDIT BUREAUS & XXXX XXXX FAILING TO ACT INDEPENDENTLY & VIOLATING FEDERAL LAW Dear Consumer Financial Protection Bureau, I am filing this formal complaint against [ Experian, Equifax, TransUnion ] and their affiliated data furnishers for failing to comply with federal law regarding the collection, reporting, and verification of consumer credit data. These companies are not acting independently, as required by law, and are instead self-validating their own inaccurate reporting, causing irreparable harm to my credit, financial stability, and access to credit opportunities. 

XXXX. Failure to Conduct Independent Investigations Under 15 U.S. Code 1681i ( a ) ( 1 ), the credit bureaus are required to conduct a reasonable and independent reinvestigation of disputed accounts. However, when I disputed the following accounts : I found that the data furnishers allegedly " verified '' the information as correct. Upon further investigation, I discovered that these data furnishers are actually owned or affiliated with the same credit bureau I disputed with. This eliminates any possibility of an independent investigation, making their reporting biased, self-serving, and legally invalid. 

XXXX. Willful Noncompliance & Consumer Harm Under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are liable for willful noncompliance if they intentionally refuse to correct inaccurate information. Despite my repeated disputes, these companies continue to report false, outdated, and unverified data, severely harming my ability to : Obtain credit or loans Secure housing Gain employment opportunities Maintain a fair and accurate credit report This willful negligence is causing financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Unlawful Sharing & Retention of My Data I have frozen my reports, yet I continue to see my personal data being reported and shared without my permission. This violates 15 U.S. Code 1681b, which clearly outlines that consumer reports may only be accessed for permissible purposes. If I have not authorized my data to be reported, how is it still being used? 

Additionally, I have reason to believe that certain data furnishers are continuing to provide my information even after I requested deletion, further violating my privacy rights. 

My Demands : Conduct a full investigation into credit bureaus owning or affiliating with their own data furnishers, creating an unfair and deceptive practice. 
Enforce strict penalties against Experian, Equifax, and TransUnion for failing to conduct independent reinvestigations, violating 15 U.S. Code 1681i ( a ) ( 1 ). 
Require the deletion of all inaccurate, outdated, or unverifiable data from my credit report. 
Prohibit these companies from self-validating disputes and require third-party oversight for all investigations. 
If the CFPB fails to take immediate action, I will escalate this matter legally under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), seeking {$1000.00} per violation, punitive damages, and attorney fees.
Product: Credit reporting or other personal consumer reports

un-authorized inquiries 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.
Product: Mortgage

We acquired a mortgage from Wells Fargo in XXXX. My employer started bouncing payroll checks in XX/XX/XXXX. We called to arrange a late payment to Wells Fargo and explained our situation and that I was moving employers and could be late on my XXXX XXXX  payment. The lady helping us was super helpful and said ( and I can almost quote her, even after all these years, ) XXXX XXXX  I can move your payments out to XXXX XXXX and just move them to the end of the loan. We were ecstatic! About /around XXXX time we received paperwork for a forbearance. We did some research and made a few calls and it seemed it was a good thing via our calls to Wells Fargo. XXXX came and we received letters that our homeowners insurance lapsed and they ( Wells Fargo ) were going to place forced insurance on our payments of almost {$1200.00} a month. Of course we called and tried arranging some sort of alternative but, I couldnt find insurance that would insure me during a forbearance and I couldnt afford the new payment. 

Approximately XXXX XXXX, all finances were caught back up, but I could not fix our mortgage. We waited and tried a few lawyers, but, our efforts did not turn out well and we were foreclosed on in XXXX and the new owner demanded we move during XXXX withXXXX kids and XXXX foster kids. We declared bankruptcy, and that was finalized in XXXX ( ish ) that year. My facts my not be on an exact timeline. 

My belief is that if not for that rep misleading us to a forbearance, we could have handled the late payment and still have that beautiful home we wanted to retire in. 

I didnt know about the Wells Fargo settlement and the lawyers we spoke with back then told us our case was worthy, but we didnt have the finances to fight. Now in light of Wells Fargo I heard about we seem to fit that description.
Product: Mortgage

Specialized Loan Servicing LLC ( SLS LLC ) assumed our loan servicing function as of XX/XX/XXXX. Their letter to us stated several methods of payment which would be acceptable once they began servicing of our loan. We set-up Bill-Pay through XXXX XXXX Bank to be made beginning XX/XX/XXXX and thought we would continue paying without problem as we had for the previous 6 years with other loan servicing companies. We received a Mortgage statement from SLS LLC dated XX/XX/XXXX which showed a past-due amount from the previous month of XXXX and a XXXX payment due XX/XX/XXXX which totaled {$4500.00}. We checked our records with the previous servicing company to verify that the XXXX payment had been made and credited for that month which it had. We immediately called SLS LLC and informed the agent that the XXXX payment had been made and asked why they hadn't received that information when SLS LLC assumed our loan. We were transfered aroung until someone checked their records and said that they showed record of the XXXX payment and to disregard the Mortgage statement that showed the deliquency. During this time, our BillPay payment for XXXX was made through XXXX XXXX Bank and was returned the next day as undeliverable to SLS LLC. I checked all the mailing information contained on the XX/XX/XXXX letter from SLS LLC to verify I had input it correctly into the XXXX XXXX BillPay set-up. I attempted to pay the mortgage a second time after verification of the information and that payment was subsequently returned undeliverable again. We have since called SLS LLC multiple times, once on a conference call with a XXXX XXXX Banker, and each time employees of SLS LLC have tried to blame the problem on XXXX XXXX. During the conference call, the XXXX XXXX employee was able to verify that SLS LLC had refused to accept the payment and returned it to them. SLS LLC employees have tried to solve this problem multiple times to no avail and have returned to us 4 separate payment attempts from XXXX XXXX BillPay ( the XXXX payment was made by personal check sent through USPS ). We had a late fee taken off our account for the month of XXXX but were informed by SLS LLC employees that was a one time courtesy. To date we are still unable to use our BillPay option for payment and keep being told by SLS LLC employees to set-up automatic payment by giving them access to our banking information which we will not do. It's obvious that SLS LLC payment system is not functioning properly and yet they seem unable to iron our their problems while continuing to blame other entities. We didn't ask for our loan to be transfered to another servicing company and seem to have no control over this unacceptable level of behavior by them. Please help resolve this soon.
Product: Mortgage

This company has given me the runaround. The first employee never proceed with my application. I call to speak to the manager he told me it was canceled because his employee did not continue with my application. I said why? he said he I will assist you. Then he offered me a higher rate because rates went up he said then it will be a conventional loan which will be better he said he send me the disclosures with a higher rate. Then referred my case to his son. Then I reach out to him and then he send me another disclosures with higher rates again I said why I signed the first disclosures are different he said we needed another document from XXXX and they took too long and the date expired I said not fair that was not MY fault I submitted everything in my part!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following credit bureaus about fraudulent accounts that were placed on my credit report. The Bureaus are XXXX, AND EXPERIAN CREDIT BUREAUS, I sent them copies of a XXXX XXXX Police Report that I filed Reporting this fraud, along with a Federal Trade Commission Report the accounts were then taken off my credit report. Several weeks later the same accounts were reinserted back to my credit report. 
Since then I have been disputing these fraudulent accounts. The credit bureaus told me that the accounts were verified and certified by the creditor, witch is XXXX XXXX XXXX XXXX. I then disputed these account with the creditor, On XX/XX/2022 the creditor responded by sending me an email that stated they needed more information .... I furnished them the exact information that is currently reporting on my credit report that they furnished to the credit bureaus ... Now they are saying they need more information. I would like to know how they need more information, when the credit bureaus contacted me and stated the the creditor verified and certified this information. Some one is violating my right from the looks of the letter from the creditor they dont even have this information that the bureaus are reporting. I requested a copy of the documents use to certify and verify these accounts from the bureaus and the creditors, and both have failed to furnish me with a copy of these documents.
Product: Debt collection

When I switched to XXXX from XXXX I was not told that they are an affiliate of them, I was n't told that I would have to pay the final bill in order to get service. I was only told that I could n't get a free phone because I switched from XXXX. They stated that when ypu sign up with them they pay your last bill from whatever company you come from. I was sent mail from XXXX for the amount of the bill and it has then been sent to diversified solutions for collections. They call at least three times everyday