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

I have sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.
Product: Mortgage

I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tri ed on 3 diffe rent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have not received a contract or any do cumentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all  XXXX  of these accounts. Under the FCRA 611 ( a ) I also requested the  method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rig hts. On 2 sepera te occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Unlawful Reinsertion of a Deleted Account Dear CFPB, I am filing this formal complaint against TransUnion for a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically related to the reinsertion of an account that had previously been deleted from my credit report. This action was conducted without proper notification or sufficient evidence, which directly contravenes the protections afforded to me as a consumer under FCRA Section 611 ( a ) ( 5 ) ( B ). 
The account in question, XXXX, Account number : XXXX was previously investigated and removed from my credit report. However, TransUnion has reinserted this account without providing me with : 1. Written notification within five business days of the reinsertion, as required by law.

2. Substantial and verifiable proof to justify the reinsertion of the account. 
According to FCRA Section 611 ( a ) ( 5 ) ( B ), any account previously deleted may only be reinserted if the furnisher of the information provides verified certification that the account is accurate. Furthermore, the credit bureau must notify the consumer of the reinsertion in writing, specifying the details of the certification. To date, I have not received any such notification or evidence. 
This reinsertion is not only unlawful but has caused significant damage to my credit profile and financial well-being. I am requesting the following actions to resolve this matter : 1. Immediate removal of the reinserted account from my credit report.

2. A thorough investigation into TransUnion 's failure to comply with FCRA guidelines.

3. Written confirmation of the steps taken to address and correct this issue. 
As a consumer, I am entitled to accurate reporting and compliance with all applicable laws. TransUnions actions constitute a breach of my rights, and I trust the CFPB will take appropriate measures to ensure accountability. 
Please find attached copies of all relevant documentation, including my previous dispute and any correspondence I have received regarding this matter. 
Thank you for your prompt attention to this serious issue. I look forward to receiving a response detailing the resolution of this complaint. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was with the company of XXXX XXXX then it was transferred over to Mr. Cooper loans. In the process of the transfer a payment was lost and was never reported in which it started to show that I was a payment behind in which it started to show I was late on my credit report. The last payment was made on XX/XX/year> for {$1800.00} to XXXX XXXX in which that payment never reflected on Mr cooper loans. I have contacted both Mr. Cooper and XXXX XXXX and they both say that they can not find the missing payment.
Product: Student loan

I have a pslf loan with mohela. XXXX studentaid.gov says they sent the information to discharge my loan because 120 payments has been met. Mohela continues to show a loan balance, charge interest and collects payments. I have verified with studentaid.gov representatives that this is mohela 's fault. mohela blames the government, but has told me in the past that the loans were to be discharged because they have recieved notice. this was a call i made in early XXXX. I try to call mohela and leave a number to call back and do not receive a reply or when i do the information is always changing. I have done a foreberance at Mohelas suggestion because they were waiting on the government, but began making payments again because of interest. I was told by a supervisor at studentaid.gov that I will probably have to sue mohela to resolve this. this seems drastic. I need help with resolving this issue
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent charge on my Account Number XXXX with USAA I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies ( CRCs ) to which you provided it. 
In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. 
Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Equifax  Re :  Request to Remove Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiries made by   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credito r ) i nquiry to determine who requested this credit inquiry.     If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this as I reached out to you all TWICE in assistance of this matter Thank you in advance,  XXXX   XXXX
Product: Credit card or prepaid card

had a Victorias Secret card forever. Tried to use it at Victorias Secret in XXXX XXXX and was told I would have to apply again. So I did and it was approved immediately. I spent XXXX on XX/XX/XXXX and paid the full amount on XX/XX/XXXX. Then on XX/XX/XXXX I charged XXXX and paid the full amount on XX/XX/XXXX. I then received a notive in my email that the account was on hold and that there was suspicious activity oon my account. When I checked the account, there was no suspicious activity on it, so I called the customer service number and was told I would have talk to the fraud department and I was connected to them. I told the man who answered that there was not any suspicious activity and he told me that I would have to send them a copy of my Drivers license front and back and a copy of my social security card front and back. I told him that I had never been asked for these items before and he said I had to do it or they would cancel my account. Since I have plenty of credit cards I didn't really need this one so I didn't sent the requested items and they cancelled my account. Then I went to XXXX XXXX  XXXX and bought my flooring and had to apply for their card. So I did and it was approved right away again. This was also with Comenity Bank. on XX/XX/XXXX. for XXXX. I got a promotional deal for no interest if paid in full by XX/XX/XXXX. On XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX I paid XXXX, then on XX/XX/XXXX XXXX I paid another XXXX. I have never been late with a payment and I am paying more each month than is being required and now I am told that this account is cancelled. With all the scams and fraud going on right now we should never be asked for the information that they are asking for. They seem to be a little crooked themselves. I really don't need either of these accounts but I certainly think Comenity 's credit department should be investigated. Thank you for your time.
Product: Payday loan, title loan, or personal loan

I received an alert on my XXXX account that I was approved for a loan I never applied for and when I tried calling the company backs theres absolutely no way to get in contact with anyone from the contact they provided
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , XXXX consumer reporting extemely low for no good reason. 

I ALWAYS pay my bills on time, have extensive credit, low utilization, and have never been denied credit for anything!!! 

I recently applied for a line of credit at XXXX 's store online, and after being initially denied, was sent a letter ( explaining my denial ). The company that provided the information was called XXXX , XXXX. I'm sorry but I have never even heard of this agency. They gave me a credit score of XXXX. This is unbelievable to me as my scores have been in the 7-800 range for many years ( with all three major agencies ). 
Needless to say i nearly had a heart attack when I saw my score from XXXX was XXXX. Initially I called XXXX 's to ask which credit agency gave me the score, and was informed it was XXXX. I tried to reach out to XXXX, but was transferred to generic voicemail every time. It looks like they don't even have a way to obtain my report online, and want me to fax, or mail my full information including my social security number to them just to get a copy of my " so called '' report. TERRIBLE! 

The 4 reasons listed on the XXXX 's denial letter were all based on XXXX report, and appear in this order : 1. Not enough debt experience. ( I am XXXX years old and have had debt experience since my teens, own a business and am a very responsible person. 
( So reason # 1 is BOGUS ) 2. Number of inquiries in last 4 months. ( Again, I run a business and my name is used to back our credit lines, as well as our personal lines of credit. So obviously It's being used all the time and does not effect my other credit scores, as it rightfully shouldn't! ( So reason # 2 is BOGUS ) 3. Limited Credit History ( SEE # 1 -- Reason # 3 is BOGUS, and isn't this basically the same as # 1? ) 4. Previous inquiries adversely impacted score. ( SEE # 2 -- Reason # 4 is BOGUS,  and isn't this basically same thing as # 2? ) This to me is unacceptable, and seems to be a dereliction of duty on their part! Do they look at total credit lines, utilization, what you do for a living, what the credit inquiries even are? I think not! Something should be done to get these people in check! They need to be responsible, and not able to make people look like fools. They also need to make information accessible without the need for hard copies of critical information which can be stolen and really used to destroy someone's credit. 

Shame on you XXXX! 

Please do something to make these people accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed below. 

XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( BANK ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2018, the servicing of my loan was transferred from XXXX XXXX  XXXX to Bayview Loan Servicing. The loan was originated in XX/XX/2018 and an initial payment was made XX/XX/2018, as XXXX XXXX required the loan to be one payment ahead to set up biweekly payments. Biweekly payments were set up and shortly thereafter I was notified that the loan servicing was being transferred. When the servicing was transferred, the balance on Bayview Loan Servicing 's website did not reflect the payment I made in XX/XX/2018. Additionally, they told me I wasn't allowed to make biweekly payments on the loan, even though I had already set up biweekly payments with XXXX. I spent approximately 8 hours on the  phone with Bayview trying to resolve these issues and found them rude and very unhelpful. The last I heard they were reaching out to XXXX about the missed payment. When I called to follow up, they told me it would be at least 30 days. My experience with Bayview thus far has been horrible and I am almost ready to refinance the loan so that I don't have to continue dealing with them.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on www.nmlsconsumeraccess.org This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
Product: Credit reporting or other personal consumer reports

I attempted to create an Experian account on XX/XX/XXXX to place a freeze on my account. When I logged in using my legal name, current address, and active email the website states that there is an error verifying my identity and to contact them at XXXX. I attempted to retry logging in on XX/XX/XXXX and am still unable to be verified, but directed to contact the company via the previous mentioned telephone number ( XXXX ). Upon calling Experian at that listed number, an automated operator directs you through a large series of questions. Despite attempting to go through multiple options on over eight phone calls, I was unable to be directed to an in-person technician who could verify my identity, allow me to place a freeze, or correct the login issues. If you request an operator, the automated voice then states, " I am only allowed to transfer you in certain circumstances. '' If you run through the menu again, but the automated answers are not correct for what you need, the operator will state, " We are unable to assist you at this time, please try again '' and disconnect the phone call. The automated operator would direct me to experian.com/help which would then prompt me to call the same telephone number. I finally reached a live person through experian, but stated they apologize as they are only able to assist someone with a data breech and redirected me to XXXX for further assistance. After dialing this phone number, I was sent to the same automated operator and started the entire circle over again. While on the phone with an actual person, I asked if there was an email she could send or someway to contact customer service with my name and phone number, to which she could only give me the previous listed phone number. As a credit institution, this process is entirely unacceptable. I have no means of contacting someone to assist in placing a freeze or verifying my identity. In this age of technological advancement, this experience is extremely unacceptable. I am trying to protect my personal and financial information, but am unable to with this type of customer service and assistance. In the same day, ( XX/XX/XXXX ) I created an account with XXXX and XXXX without any issues and was able to place a freeze with both bureaus. I would really love some assistance in being able to protect myself and hope that others are not as deterred or frustrated as this experience left me. 
Thank you for hearing my complaint.
Product: Money transfer, virtual currency, or money service

I deposited XXXX $ into my paypal account using the barcode from the paypal application on my phone.The transaction was complete I got a receipt, however the funds did not reach my account.This process has been reliable for me multiple times in the past and is usually instantly on my account or less than 20 minutes. 
I reported this issue to paypal, they asked for the receipt.I scanned and sent them a copy the receipt. 
They continued to tell me different lengths of time in which they would have taken to trace the transfer. 
They told me 10 days, then 72 hours, then finally today I suggested that their instigating and just want to financially harm me by making me settle in court or something. 
They responded by maliciously and intentionally misinterpreting that as legal action and said they could no longer help me and told me to write a letter to their legal department. 

So they basically intentionally refused to help me after provoking me for 48 hours and I am now out of XXXX $ which  was for emergency purposes to my child.