23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Transunion has violated the Fair Credit Reporting Act ( FCRA ) by reinserting an account previously disputed and deleted due to lack of verification. Under XXXX U.S.C. XXXX ( a ) ( 5 ) ( B ) of the FCRA, Transunion is required to provide me with written notice within five business days if a previously deleted item is reinserted into my credit report. Transunion has failed to do so, and this unauthorized reinsertion of the unverifiable XXXX XXXX is not only unlawful but also demonstrates a blatant disregard for federal law. The credit bureaus had more than their allotted 30 days under XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) to verify the account during the original investigation, and the account was removed as unverifiable. This reinsertion without proper notice or verification constitutes a serious violation of my rights as a consumer. XXXX is already facing litigation for similar violations, and if this matter is not promptly resolved by removing this account from my credit report, I will have no choice but to initiate legal action. This is unacceptable, and I demand immediate removal of this account and full compliance with FCRA requirements.
Product: Mortgage

I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I canceled my cell phone service with XXXX because they misrepresented a feature they offer they said for a additional {$10.00} a month I can have service without borders in XXXX and XXXX I accepted and paid {$10.00} every month a year later they said I violated a term then they said the phone that was using this feature was costing them to much money so they were going to turn it off so when they turned it off I changed providers I was under no contract with them so when I received their final bill I established a payment arrangement they agreed I made a payment and they still sent my balance to a collection agency there was a payment arrangement in place??? hope you can help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Status XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but affirm keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX  account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my nasty XXXX XXXX XXXX XXXX  divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- XXXX XXXX XXXX XXXX and Experian. If you view my entire history you will see my history. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I have no idea why. Everything seemed fine during my routine check until I noticed discrepancies that shouldnt be there. I even refreshed my browser to see if it was a temporary error, but nothing changed. I am incredibly frustrated and request that my documents be carefully reviewed so this issue can be permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this two years ago and the address is incorrect. It does not belong on my profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit card or prepaid card

Spoke with a representative about getting a fraudulent hard inquiry removed from my account on XX/XX/22, was told it would be removed but Im still seeing it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Kia Motor Finance going on 2 years to report my loan account information to the credit bureaus. No information is on my credit for this loan. I have also contacted XXXX who can not get a response either. I have been told numerous times it will be reported but it never happens.
Product: Credit reporting or other personal consumer reports

I have been disputing a fraudulent account that someone opened in my name for the past 4 months. I contacted. AFFIRM, who the account was opened with, and they have told me the person who opened the account was using a different email address, phone number, and social security number. I was asking can they contact XXXX to block and delete the account. They informed me they would open up an investigation, even though they confirmed the information was a mismatch and fraudulently opened. XXXX said Affirm has yet to respond to them in reference to this case, even after the disputes each month.
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. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .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 its been XXXX 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  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

Please accept the following as both a formal complaint against PHH Mortgage and as Notification of Intent to Defraud ( Fraud, Theft or Intent to Defraud ) by unscrupulous mortgage holders that has come to my attention during the COVID-19 crisis. 
Due to the crisis I contacted PHH Mortgage in an attempt to have 1-3 months of my mortgage payments waived. They did not offer a waiver option but did in fact offer a deferral ' option but its the terms that have me seriously concerned. 
1. they would defer 3 months payments 2. At the end of the deferment all payments deferred would be due in a lump sum 3. If I was unable to make this payment they would consider other repayment options which they would not disclose or possibly a refinance option For folks that have lost employment and with the crisis continuing for at least another month I find it nearly impossible that I ( or others ) would suddenly obtain funds to make a lump sum payment for any deferred monthly payments. 
Is my concern that this practice is laying the ground work for astronomical rates of foreclosure and/or will force customers into a less then equitable refinance positions. 
At this time I am formally requesting that your offices review this practice and determine if it is legal or fair.
Product: Checking or savings account

On numerous occasions I have been charged overdraft protection fees by Navy Federal in most instances I dont feel these fees were Justified. For example, I would make deposits to cover any purchases before I was going to make a purchase ... 99 % of the time the funds were available at the time time and prior to the purchase, with no pending payments in my account showing. the next day I would check the account and I have a oops few for insufficient funds? Also, many times they will show purchases pending for days at a time. Purchases you already had funds in the account for and covered paid. yet these purchases sit pending dont reconcile for days and is still being credited from any new deposits that are made, making it impossible to not be charged an oops fee or keep track of what has been paid. I would call and complain over and over and explain the funds was in my account to cover the purchase, yet they still hit me with the fee .... this has happened countless of times, I just figured this is how banks are taking advantage of customers now and there is nothing I can do. It was good to see the verdict against Navy Federal because it validates my concerns ... as a XXXX I know I am not going crazy. Just reaching out to see if I could benefit from the relief fund in any way. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating my score is lower than it really is, XXXX XXXX XXXX FICO states it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CAPITAL ONE CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR XXXX CAPITAL ONE AUTO FINANCE AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.
Product: Credit reporting or other personal consumer reports

These accounts were open by fraud. 


XXXX XXXX XXXX XXXXXXXX BALANCE {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$300.00}
Product: Debt collection

Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. 

I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity Theft and Fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consist of Finance account opened at XXXX on XXXX XXXX for the amount {$18000.00}. A loan opened at XXXX XXXX XXXX on XXXX XXXX for the amount of XXXX. A personal credit card opened at XXXX on XXXX XXXX for the amount of {$11000.00}. A personal credit card opened at XXXX XXXX on XXXX XXXX for the amount of {$1100.00}. A personal loan opened at XXXX XXXX on XX/XX/XXXX, for the amount of {$1000.00}. A personal credit card at XXXX XXXX opened XX/XX/XXXX, for amount of {$500.00}. A hard inquiry for XXXX XXXX XXXX XXXX, and XX/XX/XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. A hard inquiry for XXXX XXXX XXXX XXXX. A hard inquiry for XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 the FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living 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.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX INCIDENT INFORMATION XXXX XXXX FRAUD USE/POSS OF ID XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX LOCATION TYPE THEFT TYPE METHOD OF ENTRY PT OF ENTRY ENTRY LOC REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED XXXX XXXX APPROVED BY : METHOD OF EXIT PT OF EXIT PERSON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TYPE LAST NAME FIRST NAME DOB RACE SEX DRIVER 'S LICENSE LIC ST HOME PHONE WORK PHONE RESIDENCE ADDRESSEMAIL EMPLOYER NAME BUSINESS ADDRESS SSN ETHNICITY RESIDENT EYE COLOR HAIR COLOR AGE HEIGHT WEIGHT CELL PHONE *** *** MIDDLE NAME My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Fourteen fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my information was breached or leak it appear some inquiries in my report
Product: Debt collection

XXXX had them call me to settle a dept at my request XXXX XXXX tricked and decived me and sent me a recept for total XXXX XXXX XXXX mca collections XXXX XXXX XXXX XXXX XXXX XXXX  using momeys for XXXX  for somingthing elce brakes federal law
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my credit report this morning, which I cant explain. Despite refreshing my browser, the issue persists. Im deeply frustrated and demand that my submitted documents be reviewed immediately to resolve this and give me peace of mind.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/GUITAR CENTER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!