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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 I disputed this account with XXXX  with Experian in the amount of of {$8200.00} and Experian. Experian told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer of " validated ''. To date I have not received any of that and Experian has violated FCRA 611. I requested that Experian not use e-oscar for this and instead verify that they have the contract of my signature on site for FCRA 609a1a. I challenged that because I never received substantial information such as an original signed consumer contract from Experian even XXXX during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from XXXX as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.XXXX was unsuccessful in providing me with this information after my request on XX/XX/2018. XXXX was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since XXXX failed to comply with the proper consumer protection laws.
Product: Debt collection

I had a man knocked on my door. My husband answered the door he asked if I was home. Then he tried to serve me with some papers told him to leave are property. He left papers on are pourch. We looked at them. It was a summons. So we went to court. It was a dept colecter trying collect debt. The bought it from XXXX. We told the XXXX did not owe the amount. That was said we owed. So the judge set a mother court date. We did not get any paperwork of next court date. So the collection agency got the judgement. I made arangments to make payment. The debt collector wanted a higher amount I could n't pay. My husband is XXXX and the dept collector tried to garnish his bank account with is his ssi check. They are breaking the law. And his name is not on the garnishment order. They talk to my husband about my debt which is also against the law.
Product: Credit reporting or other personal consumer reports

My credit report contains errors related to 15 USC 1681c-2, specifically unauthorized hard inquiries. Kindly ensure these are deleted as they negatively impact my credit.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but Experian and XXXX have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and XXXX and Experian must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Since XXXX, I have experienced ongoing issues with my XXXX access through Discover Bank. Initially, Discover Bank withdrew from XXXX for a couple of months. After their services were reinstated, I continued to encounter an error message instructing me to call Discover whenever I attempted to use XXXX. 

Timeline and Actions Taken : 1. Early XXXX : - Discover Bank withdrew from XXXX for a couple of months. 
- Upon reinstatement of services, I started receiving an error message to call Discover whenever I tried to access XXXX. 

2. Throughout XXXX and XXXX : - I contacted Discover Bank customer service multiple times to report the issue. 
- Each time, Discover representatives assured me that the problem would be resolved and my XXXX access would be reinstated. 
- Despite these assurances, the issue persisted, and I continued to receive the error message. 

3. Ongoing : - As of now, my XXXX access remains restricted, and I have not received any satisfactory explanation or permanent resolution from Discover Bank. 

Impact of the Issue : The removal of my XXXX access has caused significant inconvenience, affecting my ability to make timely payments and conduct transactions smoothly. 

Requested Action : I request a detailed explanation for the persistent issue with my XXXX access and immediate action to permanently resolve it. Additionally, I seek regular updates on the status of this issue and the steps being taken to address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX. XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 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 XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The XXXX 's XXXX card has a promotional offer of 0 % interest on purchases at XXXX 's over {$500.00}. On the statement they have a section called the " Charge Summary '' that separates the transactions into the two interest rate categories. I have tried to contact them several times asking why I am still being charged interest after paying the amount listed in the " Balance subject to Interest '' column. They stated the balance is an average of the balance subject to interest. When I asked how am I supposed to know how much to pay to avoid interest charges, the man on the phone suggested I call and ask every month before making my payment because that amount is an average of the daily balances subject to interest. I called again a month later because again I was charged an interest charge after making a payment I thought was sufficient. This person stated I must take the " Balance subject to interest '' amount from the Charge Summary and add the minimum payment to find out the payment to make in order to avoid interest. This is a very very deceitful way to make money from customers. I should not have to do multiple calculations in order to determine my monthly statement balance and proper payment.
Product: Mortgage

Our mortgage loan is delinquent due to economic hardship caused by the XXXX pandemic. I have tried to resolve this matter with first XXXX XXXX and recently Mr. Cooper for over one year and have run into brick walls as they have refused to play by the rules or provide me with access to assistance programs. Our hardship is resolved, my husband and I are both back working full time and we are able to make our regular payment, the issue is the past due payments that are continuing to accrue and push me into foreclosure. Our loan is close to being paid off ( only owe about $ XXXX ) and the obstruction by Mr. Cooper is unethical. Instead of working with us as required they are trying to steal our home. 

We bought our home nearly 30 years ago and our mortgage was with XXXX XXXX for most of that time. We paid our monthly payment of {$400.00} on time for decades. In XXXX  my husband was in a bad car accident and out of work for close to one year. Unfortunately this caused us to miss some of our mortgage payments, but we resumed making regular payments and XXXX XXXX accepted them. In XXXX  things took a turn for the worse due to XXXX. My husband lost his job and my hours were cut and we could not make the monthly payment to XXXX XXXX. I talked to XXXX XXXX agents and told them that the reason we missed payments was because my husband lost his job due to XXXX and my hours were cut. Wells agents told me that we were too far behind to be considered for any type of help and that Wells would no longer accept single monthly payments, we had to pay all past due funds in one lump sum. We could not do that and not long after that the loan transferred to Mr. Cooper. When we spoke to their agents they said there were no homeowner assistance options available and that we had to come up with the full past due balance of {$7000.00}. About a month later we got a letter from an Attorney for Mr. Cooper and we called in to see if we could apply for help since we had paid the mortgage on time for 25 plus years and our delinquency was mostly due to XXXX. The agent said no help available and now we owe {$14000.00} instead of {$7000.00}. How did the past due amount double in the space of a couple of months? We need Mr. Cooper to provide us with a full payment ledger and accounting of all payments made towards principal and interest, all legal fees, late fees, escrow and also " junk '' fees that Mr. Cooper has added to our balance. 

Our home is close to being paid off, then we were blindsided by a once in a lifetime pandemic and it affected our income. I have worked as a court clerk for the county for 20 plus years, and XXXX is working full time as a XXXX. We have the ability to pay our mortgage and our hardship is resolved. Our only problem is the company that holds our mortgage loan that tells us " we do not offer any solutions to help homeowners who are struggling financially due to XXXX  related loss of income, even if the mortgage loan is almost paid off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Experian credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Experian mistakes on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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

This account is still on my credit report and is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX  Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.
Product: Debt collection

We have paid our debt with Freedom Mortgage and all applicable fees. We have been provided a confirmation number of payment in full and provided it to XXXX and XXXX XXXX. We also recieved our next bill showing all past dues paid and next payment not due till XX/XX/2020. We provided this information via phone and by email to XXXX and XXXX XXXX but recieved no direct coorespondence of any kind. We asked Freedom Mortgage to notify them as well since it was there client. Yet we have recieved attempts of court notices from the sheriffs office during our family functions, multiple letters, and we even have our information in public records showing pending foreclosure that is all inaccurate. All debts were settled long ago and our payments are on time but we also get horrible calls routinely. It has been harassment more so than anything ever experienced and has embarrassed us completley despite our fruitful efforts to have our financial issues resolved. We had hoped it would resolve once we paid all they asked of us and more but they just keep harrassing us. We literally owe nothing to anyone, and have sold so much to make it this way, but they just wont stop. We cant afford an attorney at this time, but dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX account 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 an account without my written instructions.
Product: Debt collection

I explained to Fedloan servicing that I can not pay XXXX a month because I am retired and not making enough to pay that amount I received a letter stating I only owed XXXX per month and that is all I can afford or I will get an attorney and sue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa
Product: Checking or savings account

I have Checking and savings account with BBVA.

My salary comes into checking account.

BBVA seems to be in this world just to make money out of customers-they have ACH with {$3.00} per ACH. My XXXX XXXX and XXXX XXXX doesn't take any charges for ACH. 
Then i decided to use their free XXXX XXXX  service ... i could do two transactions ... BBVA has made them really difficult - putting limit on them ... 3rd one they blocked it. On XXXX and XXXX XX/XX/2020 - i tried calling them ... unnecessary transfers from here to there etc ... even after that more than 1 hour of wait ... .calls getting dropped ... they are stating that we are short of staff ... so why you are blocking the XXXX transactions and then asking the customers to call you back.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Payday loan, title loan, or personal loan

I received a check in the mail from regional Finance for {$2400.00} i never applied for the loan or anything, but it stated if i needed the money i should sign the back and deposit it into my bank account and at the time I was in a tight spot. My knowledge about the interest rate wasn't good at all not knowing I'll be paying back a lot with the APR being 36 % I almost fainted when recently i was explained about the 36 % Loan date : XX/XX/XXXX Amount Financed : {$2400.00} Annual percentage rate ( APR ) : 35.5 % Monthly payment amount : $ XXXX First payment due : XX/XX/XXXX Number of monthly payments : XXXX XXXXYour final payment may vary this was what they gave me at first Loan Number # XXXX Loan Name Personal Loan Loan Status ACTIVE Account Balance {$2900.00} Loan Open Date XX/XX/XXXX Term 36 months Maturity Date XX/XX/XXXX APR 36.00 % Original Loan Amount {$2400.00} Unpaid Late Charges {$50.00} I told them I couldnt afford the money at the time and they gave me an extra {$300.00} and redid my loan and my my interest rate even higher to a 36 % interest rate from the 35.5 % interest rate it was at first crazy!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you