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

Trans union is reporting a fraudulent account on my credit report XXXX I have never had a loan with XXXX. XXXX XXXX  is in litigation for fraudulent account and misses handling loan finance they are in violation of OCCC Section 348.114. And are under investigation, I filed a dispute with Tran Union, and XXXX  in detail explaining that all information that they have received has been fraudulent and untrue, at this time XXXX can not respond to anyone and XXXX  has filed Bankruptcy and no longer exist. Not even the credit beau can get them to respond to them. I am not understanding how the credit reporting agency can go in and switch names off of the account that reported bad debt XXXX  and add XXXX name on it with out a full investigating I have never had a Loan with XXXX and the information that they are reporting is false and Fraudulent. XXXX have violated Texas Finance Code 168.1 and 602.1 and 698.3. and sense XXXX  no longer exists, and the company is in litigation and is unable to respond Tran union need to remove this fraudulent file from there reporting banks, credit reporting need to be the same and or read in dispute, XXXX reported to XXXX  as a paid off and XXXX  do not show any reporting of XXXX or XXXX on Trans Union is showing fraudulent reporting they are in violation of Texas Penal Code 36.06.

Texas Finance Code 391.002 15 USC 1681 / 602.1 and 698.3. 
16 CFR Part 602 - FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 The rules formerly at 16 CFR part 603 have been republished by the Consumer Financial Protection Bureau at 12 CFR 1022.3, Fair Credit Reporting ( Regulation V ). 

I have attached all documents and would like this item removed or corrected and while they are removing this fraudulent account it need to state in dispute while they investigate I have prepared myself to take Trans Union to court as well as XXXX XXXX XXXX XXXX SSN # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report a serious issue involving my mortgage broker, XXXX XXXX XXXX, XXXX, of United Wholesale Financial ( NMLS # XXXX ). XXXX XXXX advised me to provide him with {$4000.00} to address outstanding issues on my credit report, which he assured me was necessary to meet the conditions for mortgage approval. However, instead of using the funds for the intended purpose, he misappropriated the {$4000.00} and failed to make the payments to the creditor as promised. 

As a result of his failure to fulfill this obligation, I have since been summoned to court by the creditor for the unresolved debt. Upon informing XXXX XXXX of the legal summons, he responded unprofessionally, stating he would " fix it '' and that he was " slick but would be slick with me too '' and further used inappropriate language, saying " XXXX the creditor. '' In addition to this troubling behavior, I have discovered that XXXX XXXX overcharged me on the loan origination fee by nearly {$4000.00}, further compounding the financial harm I have experienced. 

I am seeking resolution for the following issues : Full reimbursement of the {$4000.00} provided under the understanding it would be used for debt payment. 
Correction of the overcharged loan origination fee. 
Accountability for the financial harm caused, including the legal repercussions I am now facing due to the unpaid creditor. 
Please advise me on the appropriate next steps to formally address this matter and seek restitution. I am committed to resolving this issue through proper channels and ensuring accountability for these actions. 

Thank you for your time and consideration. 

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

I Have Tried Every possible way to cooperate with Experian and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion took off then reinserted items from my credit report did not give me any notice that they were reinserted or why never got any letters transunion has taken more than 30 days with my credit dispute and has not removed items that i dispute more than 30 days ago.they must remove them by law.
Product: Debt collection

On XXXX I received a call from XXXX XXXX XXXX for XXXX debt on a surge XXXX. When I told the caller to send written verification because I felt uncomfortable with dealing with them by phone they put their manager on the phone. The manager threatened to send my debt to their lawyers if I did not make a payment today. They also stated they were talking to me on a. Recorded line. This company has continued to call me even though I told them I have not received written notification from them and they said they have been trying to contact me since 2023.
Product: Credit card or prepaid card

On XXXX a Kohls credit card was opened up in my name using my personal information. In the amount of XXXX and now is XXXX. I did not authorize this account to be opened
Product: Mortgage

To : CFPB To whom it may concern ' XXXX see my attached amendment of my complaint against XXXX XXXX XXXX, XXXX Thank u very much ... 


XXXX XXXX XXXX
Product: Checking or savings account

I'm filling a compliant with the CFPD regarding Capital One 's failure to deposit my direct deposit from my employer and my other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. Tis situation raises concerns about consumer protection laws, and I request your assistance in investing this matter to ensure my rights are upheld. Thank you.
Product: Credit card

I sent Power of Attorney documents to Truist Card Services to add a POA onto my account which would allow them to make decisions and transact on my behalf. 

Truist provided me a mailing address in XXXX, NC and a Fax number to send these documents- which I did on two separate occasions.

Contact with customer service indicates they did not receive nor process the documents and could not provide me any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are letters asking for proof of investigation. This letter was sent certified and I have attached proof of delivery on XX/XX/2020. This credit bureau has failed to send any proof of investigation to date. They did change the status from open to close. Other credit bureau has deleted the items from my credit report. They have had more than 30 days to investigate and send proof of investigation or be in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior complaint filed # XXXX, which was resolved with XXXX XXXX XXXX  correcting entry on credit report indicating overdue balance owed-past due {$3700.00}. XXXX XXXX XXXX account was paid for less than owed per agreement, there is no balance owed or outstanding past due ( refer to XXXX XXXX XXXX letter dated XXXX XXXX attached ). 
Trans Union sent letter ( attached ) stating the disputed information had been deleted. 
As of today, XX/XX/2021, Trans Union has not corrected the disputed information listing under XXXX XXXX XXXX  overdue balance-past due {$3700.00} on my current credit report. 
This incorrect information is handicapping and creating undue hardship in our attempt to recover from this bankruptcy and rebuilding our credit. 
We are unable to address this with Trans Union as they do not list this XXXX XXXX XXXX in our account list of when attempting to dispute this information again. But, on our credit report available for lenders, insurance companies, public utilities and real estate firms this item is listed and available for all to view that we owe past due {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}
Product: Mortgage

I've been requesting a repayment plan with the service lender. I was advised my husbands income, XXXX XXXX could not be used because his name was not on the initial mortgage. I've added my husband to the Deed because from what I understand, as long as he's on the deed FHA would consider his income for a repayment plan. Please reference copy enclosed. We are again requesting a 30 day foreclosure postponement to allow us time to be considered for a repayment plan as we are able to afford a temporary increased payment amount using our combined income to bring our account current. 

We've been denied the ability to be reviewed for a repayment plan, because we were advised FHA does not allow anyone else 's income to be used even if my husband was on the Deed. In the event FHA would not allow us to apply for a repayment plan we would like the opportunity to sale the home only if we are denied the repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for years to Get XXXX off my report but it keep reappearing if it was originally open in 2009. I have asks the three Credit Bureau several times to remove it. I have asked these Credit Bureau to not show XXXX XXXX and XXXX XXXX on my report because they are listed under my Bankruptcy and should not show on all the reports. All accounts may show but have a XXXX balance. This accounts are showing DELINQUENT and should not be.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loans account that are on transunion and XXXX due to Fraud! They were listed on XXXX  but were removed XXXX XXXX 2017 with police reports and ftc affidavits. XXXX forwarded the information to both transunion and XXXX which they have to do because its a identity theft/ Fraud situation. Transunion refuses to delete the accounts as well as XXXX. Transunion I 've called 4 different times and they told me they can'T remove items that are fraudulent even if the other bureau proved it was fraud This seems so wrong and a violation
Product: Credit reporting or other personal consumer reports

EQuifax and XXXX are reporting a fraudulent account on my credit file, which does not belong to me. There is a XXXX XXXX credit card account appearing on my credit report, despite the fact that XXXX XXXX and I have requested it to be removed. However, it has not been removed yet.
Product: Credit card

I was a customer with XXXX XXXX XXXX XXXX  card for over a decade. I was never late making payments. In XXXX of XXXX, they forced customers to move to electronic payment notifications. Keeping receiving a paper bill would have resulted in a charge. Most companies are very effective with delivering electronic bill notifications, so I didn't request a paper bill - since paying for getting a bill is an unfair practice and no other company does it, in my experience. 

XXXX is extremely ineffective with delivering electronic alerts. I did not receive XXXX in XXXX, and in XXXX which resulted in delayed payments. They waived the late fee in XXXX, but are refusing to waive it for XXXX. I believe it's customer XXXX- they force customer into an e-bill, and fail to provide consistent communications so they can charge customers late fees. Then they report a customer to credit bureau. I'd like to make sure other customers are aware of these unfair and XXXX  practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although XXXX doesnt seem to believe they should follow the law and experian has not removed them either please have them correct these 2 accounts and XXXX keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX, XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt collectors are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws. This is only being reported to TransUnion and not the other two major credit bureaus ( XXXX and XXXX ) so please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Real estate property : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I would like this information to be entered in my credit report as far as my home address, my employer, and my real estate holdings all this need to be updated!
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX Accounts with XXXX XXXX. I have Paid OFF XXXX of the accounts and the other XXXX account balances are currently being paid through the XXXX XXXX XXXX XXXX Department. My XXXX card has not been updated with correct payment information since XX/XX/XXXX and my XXXX card has not been updated since XX/XX/XXXX as well. XXXX XXXX automatically debits my financial institution twice a month for both cards. On XX/XX/XXXX, I called XXXX XXXX XXXX Department and spoke with a representative to ensure that THEY are in fact reporting the correct information to Equifax. I was advised to speak with Equifax because the problem did not lie with XXXX XXXX. They informed me that they are reporting each and every month which is what displays on my other reporting agencies reports. I have had many issues and concerns with Equifax not properly updating my paying information in a timely manner once the creditor submits the monthly file. As of today, my report reads a {$400000.00} for my XXXX XXXX and a {$5300.00} balance for my XXXX card which is grossly incorrect. What is also inaccurate is the XXXX XXXX status report for each of these accounts MONTHLY which is inaccurate and under law, illegal. These accounts are NOT to report monthly as a XXXX XXXX once the account is closed. Again, these accounts are update XXXX. I have notified Equifax on several occasions by way of disputes and hey continue to report this inaccurate information. There are credit laws that are being misused at MY expense and my credit worthiness expense. Today XXXX, I called Equifax and spoke with a representative and went through all of this information with an agent, only to be hung up on and the system asking for a survey. This is insanity and should be looked into. I am doing my best to pay my debt and am having a very difficult time with Equifax over and over again reporting inaccurate information It takes me more time to refute this information each and every time. Something has to be done. XXXX XXXX is doing their job yet Equifax seems to want to throw the ball back in XXXX XXXX have never had issues with how XXXX XXXX reports. Only Equifax the Report agency. It is a sham that as a consumer, this type of behavior causes the consumer inadequacies. It seems as if, this agency wants to keep the consumer in a certain default status for their selfish reasons. They have no care or concerns for the decrease in credit scores. My lowest score is Equifax due to incompetent systems. As a consumer, I have fell on hard times yet I am doing my best to recover and pay my debt and Equifax is making this hard for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I exercised my right to dispute inaccurate information with Transunion and XXXX according to the FCRA. The credit reporting agencies, Transunion and XXXX received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : TRANSUNION ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDED ON XX/XX/XXXX -XXXX XXXX  ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX '' CHARGE '' -FICTICIOUS NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation verifying my actual identity
Product: Credit reporting or other personal consumer reports

A purchase was made from Best Buy. I never received item. They was contacted about this and was told from several different people from Best Buy they would refund my best Buy credit card acct. They never did this and and my account was charged off and closed. I had contacted the shipper and they informed me that Best Buy need to open a claim and they failed to do this. I have all the documents showing what I was provided from the Best Buy employees saying they would put the credit on my credit card and failed to do this. I have provided them with this and the credit bureaus of this. 


***I can Mail you all the documents showing all this if need be****
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX  Account Number : XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX #, XXXX which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed. Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 2. Provide verifiable documentation from the information provider that supports the reinsertion of the account. As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA. Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete. Correct and update any inaccurate or incomplete information they provide to credit reporting agencies. Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. I am formally requesting the following : 1. The immediate and permanent removal of the XXXX XXXX Account XXXX : XXXX account from my credit report. XXXX. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable. 3. Assurance that steps will be taken to prevent any further improper reinsertions. I expect a prompt response and resolution to this matter within XXXX calendar days, as required by law. Please confirm receipt of this letter in writing.