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

On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in XXXX XXXX In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past XXXX years lived in a XXXX XXXXXXXX XXXX Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month Since XX/XX/2021 I have disputed inaccurate public record information and experian either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Experian never investigated the data they placed on my personal report thats completely harmed and hindered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I did their job for them. I investigated and attached is proof that Experian has violated me for years and Congress states I am owed damages. No courts disclose information
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Credit card

After reporting fraud on my account, the credit card company naturally closed the credit card and was supposed to issue me a new one that I never received. After 10 business days of not receiving the new replacement card in the mail, I reached out to the company who told me " we are not issuing new cards at this time. It has been about a year and a half now and they are holding my {$300.00} for my security XXXX  XXXX. I have requested for the account to be closed and the security deposit to be returned to me however, I keep getting the runaround or no reply whatsoever.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Inaccurate Collection Account Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for their continued failure to remove inaccurate collection accounts from my credit report. Despite my disputes, TransUnion has persisted in reporting erroneous collection accounts that I have repeatedly challenged. 

TransUnion continues to claim that the following accounts have been " verified, '' yet they have failed to provide any substantive proof of verification, such as original creditor documentation or account agreements : XXXX Reported with no account number, only a balance of {$1200.00}. 

XXXX XXXX XXXX XXXX. Reported with no account number, only a balance of {$27000.00}. 

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information. By failing to provide verification details or remove the inaccurate information, TransUnion is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information. 

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages. 

As a result of this inaccurate reporting, I have been unfairly denied credit, which has caused financial and emotional distress. This ongoing failure to correct my report is unacceptable and severely impacts my ability to access financial opportunities. 

I am formally demanding that TransUnion immediately remove these inaccurately reported collection accounts from my credit report and provide a detailed explanation of their verification process. If this matter is not resolved promptly, I am prepared to escalate this issue further, including seeking legal remedies. 

I appreciate the CFPBs assistance in ensuring TransUnion adheres to its legal obligations under the FCRA. Please keep me informed of any developments regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get access to my most recent credit report to see if the deleted items were removed from my credit report as mentioned in a letter they sent in the mail on XX/XX/2022 ( Confirmation # XXXX ), and was unable to. I called Equifax to see what the problem was and they told me in order to get access to my credit report and see that the disputed items were deleted I needed to send in a utility bill, drivers license, and social security card. I sent that information in XX/XX/2022, waited 7 - 10 business days and called Equifax for an update and they were still unable to give me an update.
Product: Mortgage

My mortgage account was transferred from Mr. Cooper Powered by XXXXXXXX to Mr. Cooper. In the transition, the automatic withdrawl has stopped. I was not informed of my new loan number and I can not reach a human being. The phone bot keeps me loops and will not connect to a human being. Other automated features can not resolve my problem, so I need to speak to a representative to resolve the transition problem. Since Mr. Cooper will not allow me to speak with a person, I can not make my payments to my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute requesting the credit reporting agency to REMOVE the attached items from my credit reporting. The creditors listed are UNVERFIED, INACCURATE, AND MISLEADING. The credit reporting agency has failed to provide the proper documentation validating this credit and/or proof of signatures.
Product: Credit reporting or other personal consumer reports

This account has been showing on my credit report for over a year and I have been requesting information on who applied for account phone number, payments made, payments schedule, contract, names on account. I have not received one response from them. I started disputing with bureaus and they continue to show verified. When asking for proof and documentation I have not received from company or bureaus. 
This process has been stressful with no help of getting a resolution. I will be contacting the XXXX  and will be looking into legal help. I have tried to do everything in order to clear my name. Not one time have I received a notice or call from this company about any sort of payment, nor do I show them on my bank statements at any time.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective Measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Data breach of my sensitive data conducted by the government entity DOGE. Massive security breach to my department of education information
Product: Credit reporting or other personal consumer reports

I have already paid XXXX XXXX on both accounts, but they keep charging me, saying that i haven't paid them. when I removed myself from their autopay system, they have reported that I had two payments late on my closed credit card. Still to this day i have no idea why they closed both of my credit cards. They sent me a letter saying I've violated their terms and conditions and closed both of my credit cards. I would like to XXXX XXXX to be conspicuous about why they closed both of my credit cards and also to remove any late payments off my credit report, and mark them as " paid as agreed ''. 

It has been over 30 days of investigation and XXXX XXXX has not responded to any of my questions. I would like to get an answer from XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed on XXXX XXXXXXXX XXXX account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/23 ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I Am a Victim of Human Trafficking Of Debt Bondage and would like for all listed accounts To Be BLOCKED & DELETED Company Information XXXX XXXX Experian XXXX XXXX XXXX customer last XXXX of social XXXX customer name XXXX XXXX XXXX XX/XX/year> As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage XXXX which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts XXXX XXXX XXXX bal. {$13000.00} XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged  on  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted  XXXX ,  XXXX , and Equifax on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was discharged and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting hard inquiries on my credit report that I never made from a bank in XXXX. I have one from XXXX and I called and they said it was an error and were supposed to remove it from my report. I then froze my credit because I was worried about identity theft. I just got a notification that the same bank pulled my credit again yesterday and when I checked the other inquiry is still on my report as well. At this point I dont know what to do. I thought my credit was frozen so nobody could try to open accounts in my name, but the same bank is still allowing someone to try to open accounts I my name.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit card or prepaid card

I purchased XXXX XXXX Tickets for a XXXX, WA show on XX/XX/XXXX for a show in XXXX, XXXX, however, this show was cancelled in XXXX, XXXX because of COVID 19. I then received an email stating that they rescheduled for XX/XX/XXXX. I had an option to cancel entirely and receive a refund, which I did. However, the charge on my credit card was still there in XXXX and I decided to dispute the charge. I could not get through by phone with XXXX XXXX to fix the problem, thus I disputed the charge on XX/XX/XXXX. The {$180.00} was credited back to me. By mistake I withdrew the dispute in XXXX and immediately called the bank and told them this withdrawal was a mistake. I was told they would fix it but it would take a few days. However, and it went back onto the card later ( several days ). I called the credit card company and was transferred to the dispute center. They said they would take care of it but they needed to give XXXX XXXX a change to respond within 10 business days. I then called the bank XX/XX/XXXX and spoke to someone who said I can no longer redispute the charge. That I need to contact XXXX XXXX. XXXX XXXX emailed me and said that there was a charge back on my card and I needed to contact my bank. 

The bank representatives are not taking care of this charge and I get different answers each time I have called about this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies, Equifax, XXXX, and XXXX. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then Equifax ruined my credit with their glitch and has since dropped my score even further without a response or reason.
Product: Credit reporting or other personal consumer reports

Please remove all inacurately collections reports.I have no such collections. 
I am also a fraud victim that's listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report and asked transunion to check the completeness and accuracy of the accounts below in accordance to 15 USC 1681i ( 5 ). Transunion has tried use stall tactics despite my many attempts to solve this issue. 


XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX Account number : XXXX I have waited 30 days and they still havent updated or removed the accounts from my report in order to ensure that my credit report is complete with the correct information. 

The date open is not correct, date last active, date of last payment, account numbers, date of last payment and balances are not correc on all XXXX credit reports and they even failed to update the account status to in dispute which is a clear violation of the fcra. 

These violations has caused me financial hardship. It has cost me job opportunities and even gotten me denied for a home loan. 

I have attached my previous credit report and new report that I just downloaded to show how transunion has violated my right. I have also attached multiple complaints spanning over a year that they have failed to fix.
Product: Debt collection

I have tried to get the company to stop reporting incorrect information. They aren't responding to my correspondence and I want to deal with the original creditor.
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 use 1681. 

XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX , XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is XXXX  and this debt has been released. Reporting a  collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to fix this, however I have been unsuccessful.
Product: Vehicle loan or lease

I have previously started a complaint and i was suppose to respond to th complaint but i was not aware of the time frame I had to respond. I have also been going through a hardship, due to I just lost my job and was not receiving any income within 5 months. I am just now trying to rebuild my life and have decided to check to status of this complaint because this car loan still is a huge issue and raising a big question. my previous request is as follow. 

I purchased my vehicle back in XXXX, my loan is for 4 years and only a 1/4 of the loan is paid off. The car has been giving me issue and trouble since I purchased it. I found out that the tires that I had to replace about 8-9 time since I purchased the vehicle is due to them selling me the car with tires that are not suppose to be on the vehicle. too big for the car which I feel is a safety issue. There has also been engine trouble as well. I have so much left to pay on this vehicle and the value of the car is over XXXX less than what I owe. I truly feel that something is wrong with the deal. 

on the documentation ally stated that : On XX/XX/XXXX, you entered into a Retail installment Sale Contract ( Contract ) for the purchase of a XXXX XXXX XXXX Series ( Vehicle ) with XXXX XXXX XXXX XXXX in XXXX, NJ. 

That is false I did not enter into a Retail installment Sale contract with them. 

That also does not appear to be my signature on the documentation. Can this complaint be reopened, Thank you XXXX XXXX
Product: Mortgage

A mortgage broker ( Sebonic Financial/ Cardinal Financial ) charged my credit card for an appraisal/inspection fee ( of {$400.00} ) on a ( short sale ) home that I was hoping to buy. The sale never went through yet the mortgage broker refused to refund my money. They have essentially opted to keep my {$400.00} without providing the service and I need my money back. 
I have a detailed package of the incident that I 'll upload with this complaint.
Product: Mortgage

Mr. Cooper is servicing my mortgage. They offer a biweekly payment program ; however, they do not apply the payments when received. They leave the payment as unapplied funds until the full monthly payment has been made. In essence, they are still applying payments on a monthly basis versus a biweekly basis. This defeats the purpose of making biweekly payments. I dont feel this was properly disclosed or in accordance with how the majority of consumers would interpret a biweekly payment program.