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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Applied for a mortgage modification with Bank of America after two years we realized that the process was not honest. We had XXXX different loan officers submitted government XXXX forms over and over, resubmitted bank statements, hardship proof statements, paystubs, social security awards letters and proof of income and work statements. We were constantly told the process is with the underwriters only to have another requirement. We had telephone appointments to make and it was just a waste of time. Hope you could help other people avoid this.
Product: Mortgage

Shellpoint Mortgage Servicing assumed our mortgage on XX/XX/XXXX from XXXX XXXX XXXX. The City of XXXX property taxes, in the amount of {$5500.00}, were due on XX/XX/XXXX and a copy of the bill was emailed to Shellpoint on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the property taxes remain unpaid, despite multiple telephone calls and emails to Shellpoint Mortgage Servicing. Telephone calls were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, each time with escalation to a supervisor. Emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

I recently left a job at the XXXX of XXXX XXXX where I had a pension worth {$24000.00}. The pension company they use called XXXX issued me a check for that amount to transfer over to my XXXX XXXX XXXX  XXXX. I deposited the check in my Chase Business Checking account with the intent of transferring it over to my XXXX. Chase then shut down the Business checking account because the pension check was addressed to XXXX for the benefit of XXXX XXXX ( myself ). Chase is now withholding those funds and not giving me any way to retrieve those funds. They are not willing to return those funds to the original issuer of the check either. I have been pursuing this for almost three months and Chase refuses to release those funds, which they are keeping captive. 

Chase said the pension company, XXXX, needs to file a claim in order for Chase to return those funds to them. XXXX is unwilling to do that since the check has already been successfully deposited. Chase then stated that they need XXXX to sign a release of liability- which XXXX is unwilling to do. Chase is giving me no other solution to recovering the {$24000.00} - essentially stating that they are going to keep that money.
Product: Credit reporting

I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Equifax, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XXXX/XXXX/XXXX I received a notice from the bank that I owed them {$120.00}. So I pulled up my bank account and saw that their was a Phone number attached to the amount being levied against. So I called that number it was the California XXXX XXXX XXXX debt and collection unit. I got a call back from a person name XXXX XXXX XXXX ) XXXX Fax ( XXXX ) XXXX Voicemail, I explained to him that I was on Social Security and the account that Wells Fargo levied against was a account that I have n't used in sometime and when Wells Fargo levied my account the account was XXXX. He told me he did n't understand why Wells Fargo would do that because they knew that they would not be able to collect upon the debit and I would have to take that up with Wells Fargo. So I called Wells Fargo And spoke to someone over in the Legal Processing Unit ( XXXX ) XXXX they told me the case was closed because their was no money in the account to collect. But I still owed the bank {$120.00} for the processing fee of the court order. Wells Fargo is charging me this fee on an account that was already delinquent on funds. To charge this fee knowing no money is available is a very greedy practice.
Product: Mortgage

Payment was provided payment from account and they refuse to reflect the additional funds even though bank statements and receipt of payment was provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unauthorized inquiries on my consumer report! I have called multiple times and disputed items. I do not own none of these items and I am a victim to identity theft. the unauthorized accounts are XXXX XX/XX/XXXX and XXXX Bank XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX experian XXXX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Gredit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.I request a thorough investigation into these inaccuracies. 
15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Client Services is reporting negative information on my credit reports. They claim I owe {$1300.00}. I have asked for validation bearing my signature and they have failed to provide this information numerous times. This is the collection company that XXXX XXXX sold the account to. 

I also noticed that Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is violating North Carolina state licensing requirements. ( I've attached a copy showing that their license was surrendered. I am asking for this account to be removed from my credit files immediately.
Product: Credit card

My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 602 ( a ) ), consumer reporting agencies like XXXX XXXX XXXX XXXX XXXX XXXX  have a legal duty to act with fairness, impartiality, and respect for consumers privacy. I am the consumer, and I have the right to ensure that my private information is not shared without my consent. 

15 USC 6801 establishes that financial institutions must respect their customers privacy and protect their nonpublic personal information. A furnisher of information qualifies as a financial institution under this law. Additionally, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer report can only be furnished with the written consent of the consumer. I have not provided such consentverbally, non-verbally, in writing, or otherwise. Any previous consent is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) requires financial institutions to notify consumers of their right to opt out of nonpublic personal information sharing. XXXX, along with any furnisher of information, has failed to notify me of this right. 

Under 15 USC 1681c ( a ) ( 5 ), adverse information can not be reported if it is older than seven years, except for criminal convictions. The account in question is an adverse item being reported without my consent, in violation of the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, and 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with the law. XXXX has failed to meet these standards. 

Lastly, under 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am formally exercising that right now.
Product: Debt collection

The Regional Adjustment Bureau, out of XXXX, TN has apparently taken over a debt that is in dispute. In an attempt to collect on this bill, they have called me, my employer, my adult son, and who knows who else. I have asked them to stop. I told the collections agent that I am disputing the debt. He continues to harass and try various methods to collect. He told me that I HAD to talk to him, that I had to DEAL with it. I do n't even know what the charges are supposed to be for. I believe that it is from a XXXX account that I cancelled and XXXX continued to bill. I requested multiple times to have them send an explanation for the debt, so I could verify and document what it was for, but I have yet to receive it. I have disputed it on my credit report. I have 100 % on time payment record. There is no call for this kind of action. I would like it to stop.
Product: Mortgage

I am trying to get a modified interest rate with Loancare, a division of XXXX, and have provided all necessary information. I have paid on my mortgage and am on time and up to date. I keep getting a robocall asking me to call and that can not be answered other than to respond to the " customer service? '' toll free number. XXXX XXXX XXXX. On XX/XX/XXXX I first spoke to customer service who told me to talk with Loss mitigation. I was on the phone, mostly on hold for 38 Minutes while loss mitigation tried to figure out why they called me. It was stated that I am current and no issues exist with my account so why do I get what I call harassing robo calls on XX/XX/XXXX and XX/XX/XXXX telling me to call them now.?? 
This is a illegal action and harassment over NO issues with my account. I continue to contact XXXX XXXX by mail but she will not offer the common courtesy of talking to me and continues to offer excuses and no support. I have contacted XXXX XXXX CEO and XXXX XXXX COO and they have not had the decency to respond or try to help me. XXXX XXXX Veteran home owner
Product: Credit reporting, credit repair services, or other personal consumer reports

I under federal law acknowledges that it is ( I ) the name under which this complaint is being submitted. Not any form of credit repair entity or company. 

Account under the name : XXXX XXXX XXXX  XXXX  currently on my Experian credit report with multiple inaccurate, misleading, & Unverifiable information. 

Last month I specifically asked Experian to delete ( XXXX XXXX XXXX  XXXX  ) Reason ; account does not report balance. Violation of FCRA rules section 1681. 

Reason ; account does not report accurate date of last payment. A violation of FCRA rules section 1681.

Reason ; Account doesn't report name and address of original creditor. A violation of FCRA rules section 1681.
Product: Credit card or prepaid card

I see credit cards in my credit report that I have not opened in my name I expect that it is fraudulent activity someones been using my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted XXXX XXXX, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly late payments on the XXXX   XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX  partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late.
Product: Debt collection

have reached out to the original creditor XXXX XXXX XXXX XXXX ) for the medical bill.i was on a payment plan and paid it all the way down to less than $ XXXX was impacted financially by covid 19 as well as contracting it.this acct went into collections.i reached out trying to get assistance with this acct and received no reply.this Is showing on my credit report negatively and it was due to beyond my control.i would like this removed from my credit file
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 ( C ) you have violated my rights by unlawful communication please remove this collection from my credit report. ( Certificate of Authority breached ) This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX 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