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

Dear CFPB, I sent via USPS twice during the span of 60 days requesting every piece of information on my Credit file be investigated due to inaccurate information and questionable accounts on Transunion Credit report. ( Please see updated attached Credit Report ( s ) dated XX/XX/2022 ) Additionally I called Transunion at XXXX at least twice per week waiting 1to2 hours just for agents to pickup and then the phone would disconnect. I am reporting to CFPB due to the fact it feels like I am getting no where with Transunion, and they are failing to obey consumer rights and law. The FRCA says an " investigation '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. I feel Transunion does not care for people and they treat me bad and it is costing me bad credit and higher interest rates. I have researched Transunion and I see this situation I am going through is the very thing Transunion has been sued for in multiple lawsuits! It is not fair due to Transunion 's negligence and incompetence my credit score should be impacted negatively!! 
Transunion states : " Public Records : XXXX XXXX  XXXX, Reference Number XXXX ; Year of Birth XXXX, Employer ( s ) REAL ESTATES, XXXX XXXX XXXX, and were VERIFIED however purported investigation does not appear to have verified documentation nor proof from any Court nor man or woman. This is not a proper investigation according to the law. The issue to date is mentioned account ( s ) are still not reporting 100 % Accurate and are inaccurate to date. Please take notice pursuant to FRCA 15 USC 1681 every piece of information must be 100 % Accurate on credit report.

List of Accounts in violation are circled in the attachment and you will also find a disparaging letter from Transunion in response to my second notice requesting an investigation and correction of my credit profile sent to Transunion via USPS. In closing I need to remind Transunion moreover, 15 U.S.C 1681 Section 602 A. States I have the right to privacy ; and Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your attention on this matter.
Product: Debt collection

Ic system has placed a collection on my credit in regards to a XXXX bill that I have no responsibility for. I have not received any validation for this debt or any letters from this collection company. I dispute the account in its entirety and have also filed a claim with ftc.
Product: Mortgage

My mortgage has two creditors. In XXXX of XXXX I was a victim of a domestic issue causing an issue with the mortgage payment. The other holder called Wells Fargo and got on a Forbearance Program for XXXX and XX/XX/XXXX. As the second holder I never received the terms and conditions of this program. Per Wells Fargo this is their process as long as one account holder calls the other does not need to be notified. In XXXX I requested from Wells Fargo acknowledging if I was late on my Mortgage during this forbearance period in their records and they did not answer and referred me to my credit bureau. I checked and I do not show late. At the time I was told that while you are on a forbearance program you are not recorded as late, thus not negative to my credit. We paid in XX/XX/XXXX and have been current since. 

Fast forward to XX/XX/XXXX. I am shopping for a better price on my homeowner 's insurance. I found a company that is cheaper by a couple hundred and I want to do payroll deductions with the hope of getting that discount. So, I am going to cancel my current insurance and go with a new company to save. I called Wells Fargo and requested that the Homeowners Insurance come off my escrow, so I do not pay twice. They said no that they can not " XXXX XXXX XXXX '' because I was late in XXXX and XXXX in XXXX. First, I never requested to close my Escrow, just remove the insurance. I tried two employees at Wells Fargo, and I failed to get someone to understand this. They said that when you go on a forbearance program, they still record you late. I asked them for the language in the forbearance terms that let the customer know how the program would negatively impact their credit. I was told it is not in there it is just the way it is, and that is it. 

It is unfair and deceptive for Wells Fargo to not disclose to all parties on an account or to notify anyone of the terms on how a forbearance will negatively impact their credit. This means that all the Wells Fargo clients in XXXX  who request Forbearance due to the hurricane are going to be negatively impacted on their credit, only to find out years later.

It is unfair that Wells Fargo will not let a client change their insurance provider without going through them. They charge an extra two months on the escrow, so you are giving them money they can earn on while you can not. I can save money on my insurance by paying myself and not have to pay extra. That money can go in a high interest savings and earn me money not Wells Fargo.
Product: Mortgage

I submitted complaint XXXX. This is additional information that should be included. 

As stated in the other complaint we have held homeowners insurance and flood insurance for our building shared with XXXX other homeowner ( XXXX units/XXXX  building ) from the date of purchase. We dealt with customer service issues at Mr. Cooper claiming documents were not uploaded, could not be read, or were confused with other homeowners name. In addition, documents were not only uploaded but emailed. This went on for months and every time we called after an auto generated letter, we were told it was fixed. 

Insurance was purchased for us on XX/XX/21. Mr. Cooper is charging us for insurance which begins on XX/XX/21. How is that legally allowed let alone morally correct to charge someone for insurance in a past time period? The past is over and nothing can happen now.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company- Asset Recovery Solutions called me at work today. The caller was XXXX. They called me from XXXX. XXXX said their office number is XXXX. I am extremely concerned about this because they called me at my office today at XXXX. I work in insurance and financial services and we have very secure lines to protect customer information so this is not an appropriate place to call. He was also very irate with me. He was being very threatening and yelling at me over the phone, trying to get me to agree to accept the debt he was trying to collect. After telling him I am not answering anything, agreeing or denying anything, he continued to proceed to yell and said he would call me here again. This is very concerning debt collection practices. He is trying to coerce me into agreeing to pay, make payments or accept a debt. I told him that this is also on a recorded line and he said he did not care. Please review this manner because these are very abusive and threatening tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXXXXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act 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: Credit card

On XX/XX/year> I found out about the unrecognized account XXXX affiliated with Bank of America with a credit limit of {$700.00} on XXXX, with a balance of {$14.00} already. 
Same day, I filed an indentity theft report to law enforcement via Federal Trade Commission 's XXXX website ( letters attached ) I contacted Bank of America to report this but the representative could not locate the account given my personal information and can not resolve this matter. Representative suggested me to contact XXXX. 
I contacted XXXX to file a dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

A few months ago ( exact date to be provided by Wells Fargo ) a Wells Fargo employee spoke with me and offered a " new '' deferment program which was sold to me as a program to take my past due amount and place it at the end of the loan term in a one time balloon payment. I was told this would put the account in a current status and I could start making my normal monthly payments and move forward. I was very excited at this prospect. I asked questions and never was it explained I could be turned down. I was told I would get a letter confirming and the WF rep read a disclosure which led me to clearly and reasonably believe I was enrolled in the program. 
This led me to make financial decisions for 2+ months with the belief I was going back to current and only had to make the normal monthly mortgage payment due. In a follow up collection call a WF rep was rude, hardnosed and couldn't clearly tell me I was or wasn't in the program, wouldn't be in the program or would be in the program. I never received any mailing about the deferment. 
This led me to be in an even more perilous financial situation which has caused a great deal of stress and health problems. It could all have been avoided if I was told " we will have to see if we can get you approved or if you qualify '' but I was sold the program as if it was a done deal. 
Obviously, this has led to material damage to myself, my health and my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX
Product: Mortgage

I was recently offered a loan modification by my second mortgage, Madison Management Services which threatened me with foreclosure last year. In order to avoid foreclosure, I was put into a forbearance agreement for a year starting XX/XX/2016. After fulfilling the agreement with a timely payment of {$300.00} per month, Madison asked me to keep paying the same amount without any modification in sight. I immediately replied asking them to reconsider their decision and offer me a more attainable and sensible loan. Now they came up with a very questionable loan modification where the original amount went from {$45000.00} to {$100000.00} due to some very questionable fees. So now I owe as much as my first mortgage. It does n't make any sense. What about all the payments I did submit? Do n't they count for something? My concern is the legality of those fees and the legality of Madison Management Services itself in collecting those payments. I ca n't afford paying XXXX mortgages as it is.
Product: Credit reporting or other personal consumer reports

The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all ACH transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX  ) who has in turn allowed other entities to also access their report without my consent. 

Bank of America North Carolina ( I have NEVER had an account with this institution ) : disclosed/reported 19 ACH transactions on XXXX XXXX report. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : XXXX My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

XXXX Financial institutions may not disclose, exception : XXXX as outlined above. 

XXXX Customer authorization required. 

XXXX Transfer of records to additional agency allowed when XXXX notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any XXXX parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX XXXX whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.
Product: Checking or savings account

To whom it may concern : I went to the bank to find out that capital one decided to end our over twenty year relationship that I had faithfully even when the bank was XXXX XXXX. Im selling golden retriever puppies and Im a victim of fraudulent cashiers checks that were sent via XXXX  to my house. I had no idea that depositing these checks would result in the current situation Im in today. I even called capital one after I deposited them to inquire what would be a good release date to ship the puppy to the client. I was informed by visiting a branch today that capital one no longer wants me as a client. Ive already called and canceled my direct deposit paycheck I will be going elsewhere. 

A matter has been brought to my attention this evening from a friend who asked me if I canceled or try to send him a XXXX request. I did no such thing as I cant even securely login to my account. This matter needs to be addressed immediately. Listed below is a screen shot of the XXXX. Obviously, capital one isnt secure and I guess these scammers are now hacked into my bank account. 

I will be contacting an attorney for the way and lack of communication that capital one has had with me. The embarrassment that I went through and the mistreatment where capital one treated a XXXX plus year client as a fraud. 

Im also listing the correspondence from what I assumed was legitimate people wanting to buy a puppy. 

I recommend with your lack of security and ability to help your clients, that you terminate all my account immediately. Let this email serve as a fair warning that someone is trying to request XXXX  payments that is not me or not authorized I have filed a police report with my local sheriffs office. XXXX XXXX XXXX Sheriffs office Deputy XXXX radio number XXXX. Case number XXXX. 

All the above correspondence was emailed to XXXX Capital one case number is XXXX Ive also sent all screenshots from my phone either text messages or email communications from the potential buyers/scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to XX/XX/XXXX and got it corrected only for it to revert back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agency still indicate my dispute of information in my credit report. As of todays date, the Equifax to answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a charged off account from 2018 with roomplace/Comenity bank. The debt was charged off, and a debt collector XXXX XXXX XXXX XXXX bought the debt and now is trying to garnish my wages. This is illegal, as I have no business with them. My original debt was charged off my roomplace/comenity bank.
Product: Debt collection

In XX/XX/2023 I sent out a letter asking this company to validate the debt that they claim I owe. In return this company sent Medical records that I did not allow them access to receive. I did not sign a HIPPA form authorizing this collection agency to access my medical records. This is a HIPPA violation.
Product: Credit reporting or other personal consumer reports

I have reported the inaccuracy of this account to XXXX, TransUnion and XXXX more than three ( 3 ) times. Yet XXXX, transunion and XXXX  continue to report the inaccuracy of this account by negligently and recklessly including the correct amount of the balance to include the cents in the XXXX system and XXXX  systems. Specifically, XXXX, transunion, and XXXX have violates my rights under 15 USC 1666 and 15 USC 1681, and FCRA, FDCPA and UDAAP. Attached are the statements for XXXXXXXX XXXX XXXXXXXX which includes the cents yet it is missing from my credit report. Each attached statement reflects a " new balance '' that includes BOTH the dollars and cents amount due. That information must be reflected accurately on both my credit report and in the credit file.