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

I am formally submitting a complaint against TransUnion for refusing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. Despite submitting multiple disputes, along with an FTC Identity Theft Report and supporting documentation proving these accounts and addresses were the result of identity theft, TransUnion has failed to take appropriate action. 

The accounts were opened fraudulently, and their inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .The following accounts were fraudulently opened in my name : Possible Financial Date XXXX, XXXX XXXX Date Opened : XX/XX/24XXXX XXXX XXXX Company XXXX XXXX XXXX, XXXX Date Opened XXXX, The XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/24 XXXX XXXX Date Opened XX/XX/24. 
Additionally, the following credit inquires are fraudulent and unauthorized : XXXX XXXX Via Dealer XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card. 
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers. 
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem. 
My fly XXXX Member # : XXXX. Please help me. 
Barclays card number XXXX
Product: Mortgage

We paid our Mortgage in full in XXXX of XXXX. 
I sued this crminal entity in XXXX for fraud. In discovery Ocwen admitted All payment made in 13 years were never paid to a XXXX. Unfortuately NH allows such fraud to continue because homeowners can not challenge the fact that the loans are never placed in the trust allowing servicer to pocket the money owed to the trust. I filed suit because Ocwen filed XXXX different lien releases with the registry. Ocwen release, sand canyon, and XXXX XXXX? Interestly enough the lien is released by from a trust that was never paid a dime. 

After the case was dismissed by the court in an effort to further damage my credit Ocwen in XXXX of XXXX falsely began reporting to XXXX, XXXX and XXXX that I had aquired a new mortgage serviced by Ocwen in the amount of {$60000.00}. It is listed as a home mortgage joint account interestingly enough the account only appears on my credit report. I found this out after i had aquired a new car the net effect of the current fraud is a high interest rate, higher downpayment and higher life of loan cost and lower credit score. I was recently denied a loan because i owe to much on a mortgage that does not exist. 
I will be filing a new lawsuit at least now i can challenge this criminal entititys frauds. 

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

In accordance with the Fair Credit Reporting Act the Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US 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

Last XXXX XXXX was hit by a hurricane and Capital one said they would waive any late fee 's or any late payments. I was just notified two weeks ago that they have reported to all three credit agencies that I was late over a 150 days,. This has ruined my credit and I want them to change this to not being late Acct # XXXX
Product: Checking or savings account

I was supposed to receive a {$25.00} bonus credited to my account on XX/XX/22. The bonus never posted. I called and they said it would post on XX/XX/22. It has still not been posted.
Product: Credit reporting or other personal consumer reports

Hello, XXXX, XXXX and transunion reported accounts should be removed from my credit report according to FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) -B. Please review the recorded disputes and remove per law.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and I am requesting the immediate blocking and deletion of certain accounts from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my knowledge or authorization, and I ask that they be removed from my credit report : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/XXXX, I submitted an identity theft complaint to XXXX identifying an account that appeared that did not belong to me. This was submitted under Rule 605B and I noted the 4 business day requirement. I also spoke to the company who reported the account and they confirmed it was identity theft and they immediately submitted a request through e-Oscar to remove the account from my credit file with confirmation number XXXX. To date, XXXX has not removed the account despite my identity theft report with all supporting documents AND the reporting company requesting that it be removed as well, nor have they sent me anything stating they would not block the information. This is severely impacting my credit rating and it is in direct violation of the FCRA and Rule 605B. I have spoken to XXXX twice about this, and they say they have no way to confirm the confirmation number from the company and are generally rude about it. They are treating this issue as a regular dispute when it is not at all, and was clearly outlined in the letter I sent to them. 
I also sent them an initial letter on XX/XX/XXXX with a list of information and inquiries that were not from me and the result of identity theft. They did not do anything with the letter despite it being received on XX/XX/XXXX until XX/XX/XXXX when I called to inquire why they had not processed it. The agent I spoke to ( XXXX XXXX said she did not have an explanation because I submitted everything that was required, and she was able to remove several of the inquiries while on the phone with her. The XXXX XXXX account appeared on XX/XX/XXXX, but XXXX advised that I needed to resubmit the documents and a new FTC report on that account to experian.com/uploads. I did this while on the phone with her. 
For XXXX and Equifax, they also have the information about the fraudulent accounts and the identity theft report along with all supporting documentation. XXXX has removed inquiries but not the accounts. Equifax has done nothing at all. The lack of action or notification is also a direct violation of the FCRA and the Rule 605B regulation.
Product: Checking or savings account

I made a {$1000.00} cash deposit at Chase Bank, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> at around XXXX, at an ATM. Terminal ID XXXX. Bank account ending in XXXX. 

It did not credit my bank account the funds, or either shows a deposit made. 

I then proceeded to make a {$20.00} deposit again at the same ATM, Terminal XXXX XXXXXXXX and filmed everything from start to finish. Again, no record of the deposit or credit of the funds to my account. This was between XXXX and XXXX. 

I printed balance inquiries after each deposit, and also have sent a secure message to Chase about this incident. I started a business after XXXX XXXX as a sole proprietor, and these deposits were from the business and I need the funds to pay daily expenses from vendors. 

I am contacting CFPB to get this resolved as soon as possible, as this just happened today XX/XX/year>, and do not want to rely on Chase bank alone to resolve this. 

I need to be credited {$1000.00}, and {$20.00}, for a total of {$1000.00}.
Product: Debt collection

Tesla Solar Bill : Bill Amount : {$1000.00} I tried to talk to Tesla to revised the contract because I am having hard ship to pay the energy bill. And now I can not afford it. They are keep adding the amount every month, even its not producing any energy during winter time. There is no solar light out. Its cloudy most of the winter and the day is short. Their Device is not functioning. 

They are keep calling and put it on my credit file. 
They call every day. I said I can not pay the bill BECAUSE MY INCOME HAS FALLEN AND until you revise the contract or you can take your Solar Panel back. 

They do not want to do either of them, THEIR MONITOR HAS GONE BAD ( NOT FUNCTIONING ) TO TRACK THE ENERGY USAGE, STILL THEY ARE SENDING ME A BILL EVERY MONTH. 

The company has already collected State and Federal Credits for themselves.
Product: Debt collection

I found this on my credit report and tried to dispute it there. XXXX XXXX emailed me on XX/XX/XXXX stating that I had 30 Days to remit the final payment. I set up a bill pay for the final payment and it to be paid XX/XX/XXXX. I paid the balance in full. This account was sent to IQ Data for collection even though it was paid in full. I called IQ Data to resolve and the rep XXXX was completely unprofessional and conducted herself with attitude. This call occurred on XX/XX/XXXX. They have been impacting me credit since XX/XX/XXXX and this debt was paid via my bill pay.
Product: Payday loan, title loan, or personal loan

For several years we have been paying on a home equity loan with Wells Fargo. Despite many, many payments, the loan has not seemed to decrease. Recently, there has been a huge increase in fees and payments which we can not afford. On XXXX, on the phone with a customer service representative, I asked for both help and a list of all of the payments made on our account. Neither have been provided. I did receive a letter that help was denied, but I never spoke to anyone after that, so I don't know how they made their decision. We have literally paid on this loan for 15 years or so, I want to both know where that money has gone and to get our payments manageable again. Please help.
Product: Debt collection

Please see previous complaint ID. XXXX The debt was now passed on to a different company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX [ XXXX MI XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX Subject : Dispute of Information on Credit Report Dear XXXX , I am writing to dispute the accuracy of the following accounts on my credit report : Account Information : - Creditor XXXX XXXX XXXX XXXX XXXX Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX CFPB Dispute Letter I request an investigation into these accounts as they may contain inaccuracies that are affecting my creditworthiness. Please provide me with the results of your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX   and XXXX XXXX XXXX.
Product: Vehicle loan or lease

Good afternoon. My car was repossessed on XX/XX/XXXX at XXXX a.m. in the morning according to the Sheriff 's Department in XXXX County. I am unable to confirm whether or not Capital One Auto Finance has repossessed car due to the fact that of all three occasions I have called them I get a pre-recorded message saying that no one 's in the office and to call back during business hours Central Standard Time. Please note and all three occasions were different times of day morning afternoon and evening during the business week. The other problem I have with the repossession no letter was sent out saying that I was in danger of my car being repossessed or action was being taken the only thing I've ever gotten from Capital One was a letter for my credit card because that is also delinquent. Now my phone number has changed and I tried to update my profile on their website on different occasions and for some reason Capital One has froze me out of my profile. Seeing is that I haven't been able to get hold of anybody at Capital One which is unusual according to my neighbor who also has a loan through them as well and they were able to get through right away. I have check the number and is the right phone number to call. The only other thing I could do or think of doing was to email them the right contact information. I am at a loss as to what to do next because I truly do want to sort this out and get my car back what Capital One is being difficult.
Product: Mortgage

This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from Select Portfolio Servicing Inc and XXXX. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted SPS multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender XXXX  ( an entity of XXXX ) who originally issued this deferral. XXXX  sold my account to SPS in XXXX. I have contacted XXXX in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, SPS and XXXX, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXXXXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 
( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Product: Checking or savings account

I got the mail from Discover bank on XX/XX/2023 ( delivered by XXXX ), showing that someone changed my saving account email address on XX/XX/2023. I immediately checked my Discover saving account and found {$81000.00} has been transferred out as well as {$30.00} wire transfer fee. I directly called Discover dispute department and request the dispute. They said they need to investigate and no timeline can be provided. 

I was not aware of anything from the beginning, not sure how someone can change my email address and phone number in my account without notifying me.
Product: Mortgage

Please see all attached documents in reference to my complaint. # XXXX Per my conversation with XXXX, he advised to attached more documents. XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00}
Product: Student loan

My loan servicer is Navient. Not only are the not helpful but they refuse to lower my interest rates which have risen to nearly 10 %! They are a scam. No where in my contract did I ever sign up for interest rates that high - and that is not all. The amount of money that I originally borrowed ( I have private loans ) is significantly lower than the current amount I owe - mostly from interest accruing while I was in school. This is not fair and I know many others whom have written complaints about Navient and their unfair practices. They also refuse to help me lower monthly payments. My payments are running nearly $ XXXX/month - which is impossible to afford with my current salary. Something needs to be done for students in New York with private student loan issues because we do not have the repayment options that federal loans have. 

XXXX XXXX
Product: Debt collection

I received a phone call from Lien Receivables LLC on XX/XX/year>, stating I owe {$2800.00} due to a lien sale on a vehicle I did not know had been towed or sold. This was the first and only time I was made aware of the debt. 

I was never notified in writing about the tow, storage, or pending lien sale, and I was not given a chance to retrieve the car or dispute the charges. The company later texted me a document showing they allegedly mailed a certified notice on XXXX I never received it. I had no opportunity to oppose the lien sale, as required by California Civil Code 30713072 and Vehicle Code 22852. 

Additionally, they contacted my place of employment, which I never gave permission for, and they threatened to sue me if I didnt pay. These actions were distressing and feel like harassment. Ive asked for a breakdown of the charges and fair resolution, but they continue to demand full payment. 

I am requesting the CFPB investigate this company for improper debt collection practices and to ensure all attempts to collect this alleged debt are stopped.
Product: Checking or savings account

NOTHING YOU GUY DO GRAET JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Payday loan, title loan, or personal loan

I have explained to them many times I cant afford the monthly payments because of change in income and they have not been helpful, they have also threatened to repo my car as well while I have been making payments the entire time. 

I am also being told to pay a certain amount verbally but their website is reporting a different amount. 

This company has not only made my life difficult financially but they also repeatedly called me during my work hours after telling them numerous times it is an inconvenient time to call me. 

I have all the call records save to prove this.