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

I am submitting this complaint against TransUnion for permitting the re-addition of deleted accounts, improper re-aging of accounts, and the inclusion of discharged bankruptcy accounts without proper verification. These accounts were previously removed from my credit report after disputes but have been re-added without proper investigation or documentation. Additionally, there is evidence that certain accounts have been re-aged to make them appear more recent than they actually are.

The practice of re-aging and re-reporting discharged bankruptcy accounts contradicts both Fair Credit Reporting Act ( FCRA ) standards and bankruptcy protection laws, and it has caused continued harm to my credit report. 

Specific Issues : XXXX. Failure to Verify Accounts Properly : TransUnion allowed accounts to be re-added after being deleted, without requiring any further verification or investigation from the original creditors or debt buyers. There is no proof that these accounts have been properly validated in terms of transaction history to allow me to examine and verify, balances, dates, or my liability as I was on end of life care during the time period in question. 



XXXX. Re-Aging of Accounts : I have observed re-aging of multiple accounts, where the dates of last activity have been altered to reflect more recent dates, making these debts appear more current than they are. This tactic extends the reporting period for accounts that should no longer be listed or should be closer to expiring on my credit report under statute of limitations. 



XXXX. Reporting of Discharged Bankruptcy Accounts : TransUnion has allowed the re-reporting of accounts that were included and discharged in my bankruptcy case. These accounts were wiped out in bankruptcy and should no longer be reported. TransUnion has failed to verify that these accounts are no longer collectable and should not be appearing as adverse items. 



XXXX. Circumventing Legal Verification Requirements : The re-addition and re-aging of accounts appear to be a tactic used by debt collectors and creditors to bypass FCRA requirements, avoiding the proper steps of verification. TransUnion has failed to hold these furnishers accountable, thus violating my consumer rights.

5. Negative Impact on My Credit and Health : The continued re-reporting and re-aging of these accounts, along with the wrongful inclusion of discharged debts, has significantly harmed my credit score and increased stress, negatively impacting my health.
Product: Vehicle loan or lease

I have called Premier Auto Credit in order to request an extension of payment of the car loan and they told me that a document that I need to fill out would be mailed to my address. After 2 weeks I called back because I didn't receive any mail and they told me it was already sent and I have to wait. Friday XX/XX/XXXX, I called back and they told me that the extension requested was denied ( and that I was told this when I called, which is a lie ) because I have only 4 months payment. I explained at first that due quarentine we all have been made put in XXXX XXXX, CA in XXXX, I was unemployed due cocid-19 pandemia, so I requested this due Government 's order. 
They didn't care and I requested to get in contact with the person I talked the first time. They told me she called me back and till now I'm still waiting for a response. 
Please, looking forward you can help me to solve the problem. 

Kind regards, XXXX XXXX
Product: Mortgage

Issue is Origination Fee changed after lock-in. 

XX/XX/2020 Closing Disclosure : Interest Rate 3.375 %, Origination Fee : {$290.00} XX/XX/2020 Closing Disclosure : Interest Rate : 3.375 %, Origination Fee : {$1500.00} When I asked the mortgage broker why our rate changed, even though we are in the lock in period. This is the response I received. 

" Your rate didnt change after it was locked. When we added the loan subordination, it cost XXXX in discount points which translates to {$1200.00}. This is not a Planet Home Lending fee. This is an unavoidable fee from XXXX XXXX  when there is a subordinated loan. " - Planet Home Lending Mortgage Broker I tried contacting XXXX to confirm their stance on this fee, but their customer service desk was unable to confirm this. 

The subordination was not a new item, it was known ever since the credit report at the beginning of the lock-in phase. 

I'm simply looking for the validation of the following two questions : -  That this is truly a mandatory fee for Mortgages with subordination as mandated by XXXX XXXX  - Shouldn't the Disclosure document have this information from the beginning ( first disclosure ). e.g. Why have a disclosure of fees document, if the fees keep changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received the results of my dispute of my Equifax credit report regarding my XXXX XXXX account. Equifax claimed they consulted the company, XXXX to determine the balance of my account and I do not believe they did so. There is something fraudulent going on. Because I have only a balance of XXXX on my XXXX XXXX and Equifax returned with their dispute results claiming that I have a balance of {$350.00}. This is false. I have attached the results of my dispute by Equifax and I have attached a screenshot of my actual current balance of XXXX XXXX  and it is {$4.00}. This balance was obtained by me logging into my XXXX XXXX  and getting my current balance so I know that the results of the dispute by Equifax is incorrect. Also, I called XXXX XXXX  on XX/XX/2020 and they confirmed that I only have a balance of {$4.00} and this can be confirmed by the ticket # XXXX which was assigned to the conversation with XXXX XXXX. This issue needs to be investigated.
Product: Debt collection

I originally purchased a phone from XXXX being told it was a free phone with purchase of a plan but because I was XXXX and had no credit I had to make a down payment. After the phone was paid off with credits I was supposed to receive check for reimbursement, that phone broke but I had XXXX XXXX, and sent the phone back. And they had sent a new phone. I had even received a confirmation voice mail. Then when I went to pay my bill I seen that I had been billed for the phone. I called them immediately and they kept pushing me to pay the plan part of my bill and theyll try to figure that out later. But I kept calling and all they did was transfer me back and forth and keep me on hold for hours. Theyre charging me for a phone they owe me money for
Product: Vehicle loan or lease

On XX/XX/XXXX my father and I went to XXXX XXXX ( auto dealer ) to purchase a vehicle as " pre-approved '' with me as the purchaser and my father as a co-signer. I submitted pay stubs, bank account information, ID, etc. We were given the options of vehicles in our approved price range. We picked a vehicle, gave a {$500.00} cash down payment along with my personal vehicle as trade in. When it came time to sign the paperwork I was told that I would not be on the loan initially but would be added to the loan after 30 days. After XX/XX/XXXX I called One Main Financial to be added to the loan. I was told that I was not able to do this, that I was not on the loan or vehicle registration. Yet, payments are deducted from my bank account and I hold the full coverage insurance on my policy. The vehicle has had issues since the second day of owning the vehicle. The power train warranty did not cover any of the issues that came up due to certain aspects of the vehicle being worn. The XXXX report provided was inaccurate and repairs have totaled the thousands in the last 13 months. The vehicle has been maintained with repairs and regular maintenance ( I have all records ) the vehicles engine has blown despite all the work and troubleshooting thus far. Looking back at loan documents, we were not provided copy of the financial application. After many phone calls with One Main it has come to our attention that XXXX XXXX falsified the loan application citing my income for my father 's as well as my father 's insurance and his ID only and gave no credit for the vehicle I traded in. The contract is not valid. This dealer and finance company ran a scheme on my elderly father, had him sign under durrest and under the impression that he would not be solely liable for the balance. We need help with this predatory lending and want recourse for all payments and repairs and hardships made to date. The vehicle is currently XXXX valued at under XXXX, the loan balance is over XXXX, payment is XXXX a month with 21.15 % financing and a new engine is between XXXX. After asking for help with the vehicles cost - XXXX XXXX only offered for us to refinance and ask for more money to fix the vehicle. Thus, replacing the invalid contract with a valid contract and covering up their scheme. They have my father 's income listed at over XXXX a month when in reality it is XXXX a month. One Main refuses to help even though they've acknowledged that the information provided by dealer was false and redirect me to dealer and say it's valid because my father signed the contract. Attaching contract that has no mention of XXXX jeep commander traded in, proof of the insurance I hold, proof payments for monthly payment and registration are paid by me and false XXXX reports where we just noticed pages are cut off at random areas of report.
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

To whom it may concern, I am writing to address a serious issue I have encountered with my XXXX  XXXX credit card account. Recently, my account was closed without any prior notice. Consequently, my account was sent to a collection company, and this action has adversely affected my credit report. 

Furthermore, I was not provided with an opportunity to dispute the charges or the account closure. This lack of communication and transparency has caused significant distress and harm to my credit standing. 

I seek a resolution that includes the following steps : 1. **Reinstatement of the Account : ** XXXX XXXX should consider reinstating my account to its previous status if it was closed without proper notice. 

2. **Removal from Collections : ** The account should be removed from the collection company and taken off my credit report if the closure was unjustified.

3. **Dispute Opportunity : ** I should be given the opportunity to dispute the charges or issues that led to the account 's closure and the collection action.

4. **Credit Report Correction : ** Any negative marks on my credit report resulting from this issue should be corrected to reflect that the account was improperly closed.

5. **Clear Communication : ** XXXX XXXX should provide clear communication and documentation regarding why the account was closed and the steps they are taking to resolve the issue. 

6. **Compensation for Damages : ** If the closure has caused financial harm, XXXX XXXX should consider offering compensation or credit monitoring services to mitigate any damage to my credit. 

I trust that you will take these concerns seriously and address them promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit carefully and discovered a fraudulent collection on my credit report. When I tried to use the Transunion website, it wouldn't take my credentials, so I couldn't log onto my existing account. When I called the customer service number provided, the rep told me I needed to re-register a new account. So I created a new user name and passowrd, but was locked out of the website after trying to log in again. 

When I called Transunion a second time, they asked me to use a different device and web browser. I told them I didn't have a different device, but I would use XXXX  browser. They unlocked my account, then we spent 30 minutes while I tried to use my new username, and had to change my password ( with 2-step authentication via email ) several times. While on the phone with the rep, I was locked out of my account and she had to reset it twice. Eventaully she said I need to make another account from scratch. 

When I made a third account, I navigated to the " Dispute '' page, where I found no button or link available to file a dispute. The three clickable links on the " Dispute '' page link to various FAQ pages, or attach a general statement to their report. No ability to select specific inaccurate reports to dispute is available. 

Transunion 's unacceptably convoluted and lengthy login process aside, my complaint is that consumers are not able to submit disputes to their credit report, dispite Transunion 's assertion on their dispute page. 

The complain I am filing is that Transunion is fraudulently misrepresenting the consumer 's ability to dispute reports on the Transunion website. This charge can be verified within seconds by anyone with a Transunion account : https : //service.transunion.com/dss/dispute.page?
Product: Checking or savings account

I deposited a check XXXX XXXXXXXX XXXX settlement check which has consumer protection bureau on top of it.. I deposited this check XX/XX/XXXX via mobile. The {$200.00} were released the next day. On XX/XX/XXXX they released the rest of the funds. On XX/XX/XXXX XXXX. They flagged the check .stated my check was fraudulent.. they never called to verify the check .. in XX/XX/XXXX my payroll. Heck was also deposited into that account.. I have a total of {$1800.00} in the account that I cant get.. my niece is a manager in a bank she told me to request another check from credit protection bureau.. I called they said it was cashed.. I called Citibank back spoke to XXXX on XX/XX/XXXX she lied and told me she verified the check with CFPB XXXX hours the investigation would be over call back Monday to check status. I called back on Monday. She never verified the check.. I told XXXX someone has to verify the check since no one ever did I provided the number XXXX XXXX XXXX. She told me she cant call that number its not verified. I dont understand what am I suppose to do now.. Ive gone into the branch and let them Make copies of the check the award letters that came with it. They refused to look at these documents even though it reflects this is a valid check. They refuse to call the number in th documents. They want XXXX XXXX XXXX XXXX XXXX to call the bank .. # XXXX its the responsibility of the bank to verify the check and make the outgoing call # XXXX they are not allowed to make outgoing calls.
Product: Debt collection

I was sent a letter ( attached ) from my employer/XXXX XXXXXXXX WAGE GARNISHMENT XXXX XXXX XXXX XXXX XXXX TX XXXX that they had received a WRIT OF GARNISHMENT FOR CASE I. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5800.00}. The letter has my current mailing and physical address on it. THIS IS THE FIRST AND ONLY CONTACT I HAVE HAD ABOUT ANY DEBT I OWE, I HAVE NOT BEEN SERVED FROM ANY PROCESS SERVER OR COURT. I DO NOT OWE ANYONE, THERES NO SIGNATURE ON ANY TYPE OF APPLICATION OR DOCUMENTS. I DO NOT OWE ANY CREDITORS. I SEARCH COURT CASE INFORMATION IN XXXXXXXX XXXX XXXX  XXXX XXXX XXXX WHERE I RESIDE AND FIND A HEARING THAT BY DEFAULT I RECEIVED A JUDGMENT AGAINST MYSELF WHERE ATTORNEYS GLASSER & GLASSER ON BEHALF OF XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX XXXX XXXX HAVE FRAUDULENTLY SERVED ME WITH THE COURT CASE INFORMATION AND THRU THIS FRAUDULENT INFORMATION PLACED A JUDGEMENT ON ME. I DID NOT RECEIVE ANY INFORMATION TO DEFEND MYSELF ON THESE FRAUDULENT CHARGES. I DO NOT OWE ANYONE MONEY. I DID NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX. AND MY CREDIT REPORTS DO NOT SHOW ANY OF THIS ON MY REPORTS. BECAUSE I DONT OWE XXXX XXXX XXXX ANYTHING OR HAVE I EVER APPLIED FOR OR HAD AN ACCOUNT WITH THEM. THIS GARNISHMENT AND JUDGEMENT IS COMPLETELY FRAUDULENT AND XXXX XXXX XXXX AND ATTORNEYS GLASSER & GLASSER ARE collecting money from a garnishment from a default judgment against myself that I wasn't served on and could not defend myself due to not knowing of the court case against me. I went to the garnishment court hearing date that was published online in court records and the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX stated to me there was no case that was published online for the garnishment hearing. There was a lawyer from Glasser & Glasser at court and I spoke with him but he could not anwser any questions and asked me to contact the law office by phone. I feel I should have representation to contact these lawyers after the business practices they have proceeded against me leading to my now predicament of being forced to pay what I do not owe.
Product: Credit reporting or other personal consumer reports

Experian is willfully reporting inaccurate AND incomplete data in regard to the Article Acceptance account listed on my profile. As of XX/XX/XXXX, they continue to violate FCRA 611 ( 5 ) ( A ) inaccurate and/or incomplete reporting, 623- knowledge of errors ( because I've disputed this before ) which is punishable under FCRA 616 & 617. These are the specific violations : 1. INACCURATE- The report states " Last Payment Date '' XX/XX/XXXX. I have screenshots [ attached : EX 1 & 2 ] from XX/XX/XXXX but when you look at the payment history chart it shows XX/XX/XXXX, which is INACCURATE. As of today ( XX/XX/XXXX ) that last payment date is missing [ attached : EX 3 ]. Either way, they're both inaccurate and contradictory to what was previously reported. You can't have text say one date and payment history show another! 

XXXX. INCOMPLETE- Looking at the payment history they are not reporting data from XX/XX/XXXX through XX/XX/XXXX which makes this account and their reporting INCOMPLETE in violation of FCRA 611 ( 5 ) ( A ) ( 1 ) which states " of any information disputed by a consumer, an item of the information is found to be inaccurate or INCOMPLETE or can not be verified, the consumer reporting agency shall PROMPTLY DELETE that item of information from the consumer 's file. ''
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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: Debt collection

XXXX XXXX XXXX has sold debt to Constar Financial Services for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. Constar has not contacted me since. 
Amount attempted to collect was {$280.00} Constar Financial Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In applying forr a mortgage the bank alerted me that a towing company was listed at my home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have nothing to do with this company. I tried to resolve it with EXPERIAN but both there phone system and web-site we non functioning
Product: Credit reporting or other personal consumer reports

I have closed accounts showing on my credit report that do not belong to me. I need them removed as soon as possible.
Product: Student loan

Navient, a company who took over for XXXX XXXX loans I have, calls me up to XXXX times a day, calls within XXXX hours of each other due to a loan being 2 months past due. I had requested paper billing so I could mail in Payments and have n't received them so I did slip. I notified them when a check was mailed with the check number and amount and the calls stopped for 4 days. The account is up to date now with next payment due XXXX and they called again at XXXX Sunday night. Enough is enough. Enduring multiple phone calls a day starting daily at XXXX and going think XXXX had finally stopped and now they are apparently starting again.