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

Hi I am submitting this 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 XXXXThis 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, I reported that my identity was stolen and was used to open an account with XXXX. I've since deputed and have gotten a written statement stating that this account indeed should be deleted. However, none of the credit bureaus have taken action and removed from my credit report. 

Account number : XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally re-dispute the accuracy of the information reported by XXXX XXXX XXXX specifically regarding the collection account listed as account no. unknown. The account is being reported inaccurately, and I am requesting immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i Violation of FCRA - Dispute Accuracy, Violation of 15 USC 1681s-2 FCRA - Responsibilities of Furnishers of Information , Violation of 15 USC 1692g FDCPA - Debt Validation, Violations of 15 USC 1692e FDCPA - False or Misleading Representations, IRS Form 1099-C Cancellation of Debt. Based on the above violations, I respectfully request that you remove the inaccurate collection account from my credit report. In accordance with the FCRA, I expect a response to dispute within 30 days. Should you fail to comply with these federal requirements, I will take further legal action and pursuing a lawsuit for any damages cased by your failure to adhere to federal laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with XXXX since XX/XX/XXXX and never had any real problems in XXXX I started noticing a lot of billing errors, For example i'd set up a payment arrangement with an agent to pay on a certain day so my services don't get suspended and the very next day the automated system suspends my service and when I call to speak with them about it, they can see the notes, apologize and turn my service back on, but a bill would come out later with re-connect fee 's that shouldn't be there because my services were not supposed to be disconnected. It's been PLENTY of times this has happened and a lot of times I missed and they are not transparent with the billing. 

My credit is reporting XXXX with the Billing, on a Recent update this morning after a dispute they updated XXXX account from {$730.00} to {$1700.00} by adding XXXX. 

My question to them is if you've been reporting {$730.00} for months how did you all of a sudden determine XXXX owed you XXXX more? 

Also I contacted ( CREDIT COLLECTION SERVICE ) about it XXXX and asked for a list of the serial numbers of the items they are trying to collect on and either send by letter or email and they told me they couldn't. 

My reason for request was because I noticed items she was asking for were different than the items on my last bill and the serial numbers didn't match, Which it seems like they were trying to pad the balance for more of a collection and a bigger hit on my credit. 

I contacted XXXX directly this morning about the bill not matching what they sent to the collection company and they gave me a {$210.00} credit. but that's still not enough for the incorrect reporting and XXXX practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this account to you because when I saw this account reported I was confused. The status of this account is collection/chargedoff yet there is no balance, there is not a single late remark on this account.
Product: Mortgage

The client in this case remitted funds to his loan servicing company to reinstate his loan. The client relied on a letter from the servicing company which provide the total amount due to bring the loan current was {$44000.00}. The letter specifically stated that " This amount includes all past due payment of interest, principal and escrow as well as late charges and amount that we paid on your behalf. The letter is dated XXXX/XXXX/2016 and further stated that " in order to avoid foreclosure the client would need to pay {$44000.00} '' within thirty ( 30 ) days. The client remitted funds in the amount of {$47000.00} on XXXX XXXX, 2016 via certified mail. The tracking number associated with the remittance USPS ( XXXX ) confirmed that the servicer received these funds on XXXX/XXXX/2016. The client had requested a demand statement be provide by email but the servicer decline his request and no demand statement was issued regular mail. Later the servicer failed to honor the total amount due listed on the XXXX/XXXX/2016 letter, and is now demanding additional costs and fees and a total amount due of {$51000.00}. The servicer scheduled a Foreclosure Sale XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt that was not mine. The company agreed and it was suppose to be removed from my credit report per the response from XXXX  however it is still reporting negatively.
Product: Credit reporting

In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX  and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Product: Debt collection

I have disputed the amount of debt on my credit report of {$4000.00} about 6 times on numerous different occasions XX/XX/30 being the last time. This is not my debt. I have never had a credit line or phone bill with XXXX XXXX XXXX in my name. I have always had t mobile or been on my mothers plan.
Product: Credit reporting or other personal consumer reports

Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/year>, violating 5 U.S.C. 552a ( d ) ( XXXX ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/year> to XX/XX/year>, with a breach of 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( XXXX ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( XXXX ) and XXXX ( d ) ( XXXX ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/year> to February 2024, 12 CFR 1026.13 ( d ) ( XXXX ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " XXXX XXXX XXXX '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/year>, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). XXXX XXXX XXXX XXXX violations relate to all three major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

My macys account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under XXXX it shows that i have two 30-day late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity. 

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Product: Mortgage

Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.
Product: Debt collection

I have sent USAA the attached letter asking them to not call me, call me using automated dialing systems, record me, and that I am represented by an attorney yet they will NOT relent in contacting me by telephone. This is illegal under the RFDCPA. I am requesting that USAA contact my attorney RIGHT AWAY. XXXX XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out an Investigation Request Letter to TRANSUNION CONSUMER SOLUTIONS by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted.

I was never provided any original documentation to the validity of the Lates on the two XXXX Accounts.
Product: Credit reporting or other personal consumer reports

I have Accounts that were Delete on Experian and they put it back on the next month. Also another account there reporting wrong in information i have never been late on child support. i sent them the information it is coming out my check. Experian is the worst they do not do full investigation!!!!!! Please Help with this matter!!!!! Also i have there monitoring services i cant pull my credit report i have disputed my address and sent the my Drivers License and SS Card. no change!! Thanks for your help The same with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out dispute letters never received written verification, which was over 60 days
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX