23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold to a new servicer. I received a letter from my new servicer Arvest Central Mortgage Company that they do not pay my property taxes thru my escrow account. Everything I have read states that the terms of my loan remain the same. I want it to be the same terms that I had before. Also my other mortgage company gave them the excess amount in my escrow account to cover this. I was told by them that it takes 90 days for them to review my escrow account. They also charge a fee to pay online. They took over my loan as of XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX  The Credit bureaus stated Account Name XXXX XXXX XXXX & Account # XXXX**** was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my now 5th complaint against Equifax  Consumer Credit Services concerning the same matter which is unauthorized inquiries on my credit. I have spoken with all credit lending services which are XXXX Bank-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX-Inquiry-XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry XXXX, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018 and last but not least XXXX XXXX-Inquiry XX/XX/2018. These are all fraudulent inquires which all these banks have said they have no file on me and on top of that, I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE LAST TWO YEARS AND XXXX   AND XXXX HAVE BOTH HANDLED REMOVING THESE FRADULENT INQUIRIES ON MY CREDIT AND THE ONLY CREDIT SERVICE THAT HAS NOT IS EQUIFAX. I would like a full investigation as to why they are not obiding by law.
Product: Money transfer, virtual currency, or money service

A client in XXXX sent Euro XXXX to my PAYPAL account and all of a sudden my account got limited. I can't access my funds or use my account. 

Transaction ID XXXX You can no longer use PayPal ( Ref ID - XXXX ) I can't access the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX,  Transunion, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX XXXX {$14000.00} XXXX XXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX 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: Debt collection

I received a notification on a credit monitoring site that I had a new collection. I went to obtain my free annual credit report to view the details of this alleged collection. I saw a creditor listed that was not a company I have had an account with in the past or present. They stated the original creditor was an XXXX XXXX XXXX. I have not received not XXXX statement regarding a current or past due bill from neither company. I have not received any voicemails from either of these companies. I would n't have even known this is being reported if I was n't using a monitoring service. I have not worked to maintain my credit in very good standings to have what is reported as a {$250.00} bill drag my credit score down. This company has n't done any verification or validation. My address and phone number has been the same for more than five years. Yet, I have not been sent not even XXXX bill, invoice, or statement. I am just automatically sent to collections without any type of notice that a bill ever existed.
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 XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. 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 XXXX 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 hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times in the last 120 days. 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 XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 I cant live like this
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Target/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by TransUnion for Account XXXX Dear CFPB Team, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation. 
XXXX Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX TransUnion Late Payment : A XXXX late payment was inaccurately reported for XX/XX/XXXX. 
XXXX XXXX : Reported as {$XXXX}, differing from other bureaus. 
Last Verified Date : Marked as XX/XX/XXXX, inconsistent with other bureaus. 
Closed Date : Listed as XX/XX/XXXX, different from other reports.

Dispute Status : Marked as " Account not disputed, '' despite prior disputes submitted.

Account Remarks : Incorrectly states " Canceled by credit grantor. '' Two-Year Payment History ( Late Payment Dates ) : Reported a XXXX late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax sent me a letter stating that the information on my report is still accurate and that there wasnt enough evidence to support my claim. However, I clearly stated that these accounts are not mine and requested their removal under the 605 ( b ) provision of the law. Despite this, they have not removed the accounts or made any effort to address the issue or comply with the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint.
Product: Debt collection

Edmonds and logue pc removed all funds out of bank account with any notification of debt owed
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account No. : Ending with XXXXXXXX XXXX XXXX Account XXXX. : Ending with XXXX XXXX XXXX XXXX. Account XXXX. : Ending with XXXX
Product: Credit reporting or other personal consumer reports

This grumbling to TRANSUNION was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it.

As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this report due to these incorrect and fraudulent accounts that are on my credit report. I am having issues on my credit report with these accounts. Under the FCRA law these accounts needs to be removed from my account. I am including the identity theft report as well as proof. Please remove these accounts from my report. There are the hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, And the collections that needs to be removed are XXXX Acct XXXX XXXX, {$4700.00} and XXXXXXXX XXXX XXXXXXXX {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. 

The accounts in dispute and that have not complied with the correct verification are the following XXXX  XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed Balance {$160.00} Balance updated XX/XX/XXXX XXXX  Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Balance {$940.00} XXXX  XXXX XXXX Account XXXX Balance {$450.00} Balance updated XX/XX/XXXX XXXX, XXXX Open account Date opened, XX/XX/XXXX balance {$1100.00} statusCollection account XXXX XXXX XXXX account number, XXXX, Status Charged off as bad debt Status updated XX/XX/XXXX, Balance {$31000.00} Balance updated XX/XX/XXXX. 

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at the accounts listed above.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Navient, via Navi-Refi sent me an offer to lower my student loans. I am looking to refinance my variable rate loans with Navient because they are currently at XXXX %, highest they ever have been. I received a letter saying they could refinance my loans with a lower fixed rate. I took the bait and filled out my information and submitted to a hard credit pull. When the " select your loans to be refinanced '' screen came up, only my federal loans showed up, not my loans currently with Navient. 

This is a disingenuous business practice. They know what loans I have with them and which loans I would most likely want to refinance ( the high interest loans with no chance of federal loan forgiveness ). They didn't offer any of those loans up for refinance despite the fact that was not explicitly stated on the mailing I received. I had assumed ( wrongly ) that all of my student loans would be available to refinance. There was no indication on the mailing that they wouldn't. 

I submitted to a hard credit pull which will negatively impact my credit score so I could see my " new rate '' only to be confronted with loans I have no interest in refinancing. 

They are trying to scam people out of money by quickly refinancing federal loans before the loan forgiveness program sets in. On top of this, they are intimidating people with an unnecessary hard credit pull so they can " see their rate ''. I realized this too late and had to take a hit on my credit score as a result. 

This is completely unfair and if I had been less student loan savvy or more drunk I could have easily been taken advantage of by the business practices of Navient and their subsidiaries. SHAME ON THEM AND THEIR MALFEASANCE. 

Please help to rectify this for people so they are not scammed out of their hard earned money.