23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion took off a " good '' tradeline, when they were NOT suppose to. I previously disputed an account with XXXX XXXX ( a rent payment creditor ), because they had not reported the months correctly ; however, Transunion took it upon themselves to remove it entirely ; instead of verifying and correcting the dates. Transunion is now REFUSING to put XXXX XXXX ( creditor ) back onto my account. XXXX XXXX ( the creditors ) were told by Transunion, that the ONLY way to put it back onto my account ; is that I would have to send in a copy of my lease agreement, drivers license and a letter stating that I would like XXXX XXXX ( the creditor ) " inserted '' back onto my credit. I did " exactly '' what I was requested to do, yet Transunion sent XXXX XXXX ( creditor ) the following statement ... .... '' We are in receipt of your reinsertion request for consumer, XXXX regarding account ending in XXXX. Please be advised that said account was deleted from the consumer 's credit file on XXXX/XXXX/2016 in response to a consumer-initiated dispute, and is not eligible for reinsertion. " XXXXAfter XXXX XXXX ( creditor ) informed me of Transunion response , I called and spoke to XXXX representatives and one supervisor, who stated his name as XXXX XXXX ( at XXXX on XXXX/XXXX/2016 ), he was really forceful in not listening or even trying to resolve the issue. I do not know what else to do in order to get this resolved, if the SUPERVISOR himself will not help me. The creditor have attempted several times to get my information back onto my credit report, but Transunion is being resistant.This is their ERROR for taking my creditor off my credit report, INSTEAD of simply verifying the correct dates. Transunion keep trying to tell me that XXXX XXXX ( the creditor ) are the ones who told them to take it off, which makes no sense, being that " they '' were the ones who first reported it on my credit for me ( this is a perk they offer to use their company ) .Also, I have extensive emails, showing where the creditor is trying their best to remedy the situation.
Product: Credit reporting or other personal consumer reports

I was promised via phone call that someone would look into my issue. They saw the error that XXXX XXXX made and said that it should be fixed really soon. They also stated they would pull the phone calls made so that the matter can be rectified. 

I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/ and on XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I pulled my reports because Im about to purchase a home and was notified that my TRANSUNION account is reporting late in XXXX and this is now going to affect me for the rest of my life if they dont fix this immediately. 

The phone call and messages are all recorded. I need someone to contact me, & contact transunion credit bureau and fix this immediately. 

This is so detrimental to me and causing me not to get my house for me & my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Checking or savings account

On XX/XX/22 I attempted to make a purchase with XXXX flex pay. The XXXX Representative attempted to process the payment numerous times. Stating that the address did not match the billing address of the debit card I was using, therefore the orders could not be finalized. The XXXX representative then stated that the orders were cancelled. Each time that the attempt occurred the amount was being placed on hold with Bank of America which is my banking institution. I called immediately on XX/XX/22 and sopke with the BOA representative and she assured me that the funds would be immediately reversed. The funds were not reversed. Today XX/XX/22 I called and spoke with a rep by the name of XXXX. He was very argumentative. He failed to listen and told me that the funds could be held up to 6 months. After I explained that I confirmed with XXXX that the order was cancelled. The XXXX transactions are for the following amounts : {$310.00}, {$300.00}, {$300.00}. Please release my funds.
Product: Mortgage

I am trying to get a loan modification. I have been turned down and one of the factors is that they have the property valued at {>= $1,000,000}. 
I had a realtor come in and do a market analysis that was XXXX pages. The market value is {$820000.00}. Chase 's report did n't have accurate information such as total sq footage. The roof is over 20 years old and everything is original from 1996 when it was built.
Product: Vehicle loan or lease

Ive contacted Chrysler Capital numerous times and left many messages. I told them that I return the car over a month ago, and Ive receive my down payment back. Chrysler Capital has not closed the loan account and is still requiring me to make payments on a car that I do not own, nor possess.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice it had fraudulent inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

Discover Card contacted me on XX/XX/2020 to inform me they needed to obtain my tax returns along with other personal info to verify my information, they would not tell me why. I called them back and all they said was just sign the release with XXXX IRS form 4506-T. I refused and closed both of my accounts because if i had not they were going to close my accounts instead. I feel like this is unfair practices against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a compliant against LexisNexis with the CFPB and due to the company responding my case was closed. The problem still exist and has not been resolved in any way shape or form. I have absolutely no interest in communicating with LexisNexis since they are the offending party to the crime committed against me in the form of identity theft and the egregious violation of my right to privacy. They have no right or authorization to have in there possession my social security and drivers license number, which is a direct violation of my right to privacy. I have uploaded the evidence in the form of documentation that the judgement is fraudulent, since there was a third party involved in the legal action I had to obtain the documentation via legal action to prove the financial harm done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ill try to make this concise : My mortgage servicer used to be Chase Home Finance. In XXXX of this year I was scheduled to have XXXX and miss 6 weeks of work. I reached out to them before hand to see if I could make an arrangement to skip a month of payment and then pay a month and a half for the subsequent months to get caught up. They agreed, sent me a document to sign and I proceeded to pay as agreed through the next months. In XXXX, they sold my mortgage to another company ( XXXX XXXX XXXX XXXX  ) and reported me to the credit bureaus for being late on my payments by 60 days, even though I had paid as agreed. I have reached out to them multiple times but they claim nothing can be done to remove or annotate this to indicate I was only late because I was proactive and reached out in advance about a medical issue, had I know I would have made other financial changes which would have allowed me to make these payments as usual. I am trying to get this removed from my report so Im reaching out to CFPB, I have a lot of respect for the mission of the Bureau and Im hoping yinz can help. Thank you. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX  But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't know who these people are but I responded to a letter sent. They are falsely adding items to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, Experian, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am  trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.
Product: Bank account or service

Customer rep with HSBC confirmed I would not receive a fee, advised replacement card and checks would be mailed free of charge. I reached out again and the next rep confirmed she could not see any prior requests, could not tell if a card had been ordered, and was unable to fix the fee which was not my error that had previously been confirmed as waived, and was only able to advise checks are charged/not that my prior request was completed. I previously was transferred to a supervisor, but this time the rep, XXXX, refused. I am concerned with this lack of transparency, applying fees which have been confirmed as waived, and charging for some products when some reps feel like, but not when other reps confirm the products are free. A federal investigation into this transparency is required.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM MY REPORT
Product: Debt collection

I'm unaware of this debt. I didn't have an opportunity to dispute this debt. I did NOT receive proper notification. If in fact you believe you gave me proper notification then please send me the certified mail with a receipt with my signature on it stating I received it.
Product: Debt collection

On XX/XX/2019, XXXX XXXX a department head at National Enterprise Systems contacted our daughter on her personal cell phone about a debt her father and I owe. Our daughter is not a guarantor or contact on any of our financial accounts. She is a student. I called Mr. XXXX directly, informed him I was going to file a complaint with the CFPB and that he should delete my daughter 's contact information from our file.
Product: Credit reporting or other personal consumer reports

LVNV / Resurgent claims to own my account, having acquired it from the original creditor, XXXX XXXX  XXXX XXXX Account ending in XXXX in XXXX XXXX XXXXXXXX, with an account balance of XXXX at the time of acquisition, and a current balance of XXXX. 
( See Account Summary XX/XX/XXXX .. Doc # XXXX ) It's important to note that all communication and payments related to this debt should be directed to LVNV/Resurgent, the alleged current owner, or Resurgent, the agent of the owner.

I received a letter dated XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX XXXX  that stated : Account ending in : XXXX Dear XXXX XXXX , A recent review of your payment solutions account showed an INCORRECT BALANCE. We've credited your account with XXXX, which includes any applicable fees and interest. If the adjustment results in a credit balance, a refund check will be mailed to you. We apologize for any inconvenience. ( See Doc # XXXX XXXX payment solutions ) XXXX XXXX  controls my account. My immediate concern is that LVNV/Resurgent reported inaccurate information to the 3 Credit reporting agencies. 
( See XXXX Report Doc # XXXX ... XXXX Report Doc # XXXX ... XXXX Report Doc # XXXX ) The original creditor verifies that XXXX is an incorrect balance with the deduction of the credit of XXXX from the incorrect balance, leaving an ending balance of XXXX is also incorrect. You can not deduct from an incorrect balance and create a correct one.

LVNV / Resurgent is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. The information and documentation provide clear evidence of an FCRA violation.

Therefore, I am requesting that the CFPB please take action to protect my rights as a consumer under the FCRA and have this account removed immediately from all three Credit Reporting Bureaus.

Thank You for Your consideration of this matter.
Product: Debt collection

My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.
Product: Mortgage

I have a third party authorized with the lender that is helping me complete the paperwork and help with the foreclosure. The third party called in requesting information about the mortgage and the customer service rep stated that I called in and limited the third party 's access to the information provided. I never called them since my third party was authorized and they did not allow him to get any loan information. The lender lied saying that I called in limiting my third party 's access to information. I also requested my third party to call them to see what options we have to delay the auction so that we can gather the funds to pay them back. The lender did not provide any options and stated that the auction can not be delayed even if we are attempting to make things current with them.
Product: Credit card

I would like to have a US Regulator to look into the previous complaint XXXX. 
The agent representative closed the complaint without any assistance given. 
Furthermore questioned my integrity on this matter saying is not phone records in what the Customer Service told me about removing the late fees on a Chase Credit Card it got closed without mine knowledge. Also in that letter said the monthly statement I did n't receive it does n't show be returned to them, even " I told their customer service few months ago sometimes my mail got lost I do n't received non just from Chase '' At this time I would like to report violations to my consumer rights under the FDCPA due to Receiving Early morning and late night collections Phone calls, also reporting bad credit to the credit Bureau agencies and to stop sending Monthly statements on a dispute that I currently I have about their late fees. Chase it looks its ignoring and do n't respect the FDCPA, if they continue with this behavior for I may file legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by the companies listed below to make an inquiry and view my credit report. These companies have violated the Fair Credit Reporting Act Section 1681b ( c ). Such companies are not legally entitled to make the inquiry. I have a credit freeze. This is a serious breach of my privacy rights. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Credit card or prepaid card

The Wells Fargo Bank have a credit card on my credit report saying it belongs to me but i have wrote letters explaining this is not my account no action has been taken to remove this account from my credit report. They say the account was opened XXXX XXXX, 2013 and the debt claiming that I owe is XXXX dollars. I checked with the main 3 credit bureaus and out of the three XXXX is the only bureau with this wrong info on my reports, therefore my reports are not matching up.
Product: Checking or savings account

I have been trying to close my checking account, with USAA since XXXX. first USAA said that we had fees outstanding, and we had to wait a few days to ensure that there were no pending transactions. When we went through the fees we learned that there were mistakes created by USAA to obtain overdraft fee When USAA reviewd their mistakes they refunded the fees. After about of month no transactions on the accounts I attempted to close the accounts today. When I logged on three of the accounts showed a XXXX balance, XXXX dollars in one account, and XXXX XXXX cents in another account. 

I transfered the funds, that showed a XXXX balance. When I called USAA to close the accounts they said one of the accounts had an outstanding balance. When I looked into the transaction history, an overdraft fee that was refunded was re-instated, triggered by my attempt to close the account. This problem was created on one other account. 

Lastly according to USAA if I have an outstanding balance [ which I currently do not ] they can not close my account.
Product: Credit card or prepaid card

XX/XX/XXXX interest due if not paid in full. Interest was {$750.00}. I was told specifically several times upon calling there was none until XX/XX/XXXX due. I paid that 2 days ago. Who would leave am older same amount owed to let one axrue interest?? Then the lady called & talked down & degrading to me for having lost my job??!! I've been an on time fantastic customer for over a decade! Then she accuses me if threatening her & hangs up on me! They wrongfully charged me the {$750.00} interest & spoke down degrading to me. So 4 things : I was lied to, they set up on online account in my name so I would stop receiving bills in the mail ; they purposely made the {$750.00} interest charge ; they spoke down degrading to me. It is CareCredit. I see you already have had a case with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

XXXX Bank account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 21 different accounts with DEPT OF ED/XXXX  and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.