23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed a Collection with Transunion. XXXX XXXX XXXX. # XXXX. The original account was with XXXX ; account # : XXXX ; it has been sold to XXXX XXXX XXXX, XXXX, I got the m to remove it, and then to XXXX XXXX XXXX and I believe a few other ones. Also, this account is not mine, I have already proved a few times, that this account belonged to a relative and they did not pay and for some reason, all of these companies have been trying to come after me. On XXXX XXXX, XXXX ; I already got Transunion to delete this alleged account from my file, because it was never mine and today ; now.. XXXX XXXX, XXXX ; they are stating XXXX XXXX XXXX is remaining on my credit report until XXXX XXXX. I am asking for your help, once again, CFPB has already helped me with this same issue and same original account number once before ; back in XXXX XXXX ; this issue was XXXX again removed with your help, it seems as if the account is being sold here and there and I am having to deal with this at least once a year. Please help me remove and please help me stop the collection agencies from repeating of selling this account. Again this is not my account and it never was my account. 

I do n't have a scanner ; but the original case # s were : XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house and while waiting for the closing date I was in contact with Ditech Financial LLC. They informed me that as long as the mortgage was paid in full by the end of the month that I would not be penalized. The closing occurred on the XXXX of XXXX. Payment was not wired to Ditech from the title company until the following day since the closing happened after XXXX EST on XX/XX/2018. 
Ditech was paid in full on XX/XX/2018 yet they reported me to the credit bureau as being 30 days late. This is preventing me from purchasing a house due to the drop in my credit score. 
I have never been late on my mortgage payment. I have contacted Ditech several times via fax and phone, yet they have claimed to not have complete records of such correspondence. I have hired a lawyer. 


Thank you, XXXX XXXX
Product: Debt collection

I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.
Product: Credit reporting or other personal consumer reports

I seen two recent hard inquiries on my TransUnion report that I did not authorize. I ask TransUnion to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was XXXX  XXXX XXXX, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. TransUnion have employees letting creditors check credit report without alerting the consumer.
Product: Credit reporting or other personal consumer reports

This dispute concerns several accounts with false information, specifically discrepancies in the " Date of Last Activity '' and " Closed Dates '' on closed and charged-off accounts, AS WELL AS reporting late payments on " Charged off '' accounts. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. The conflicting dates and transaction history shows that FALSE information was KNOWINGLY given to TransUnion, XXXX, and XXXX and should be removed immediately. 

FCRA XXXX5 USC 1681s-2 a ( 1 ) ( A ), consumer reporting agencies, ( including TransUnion, XXXX, and XXXX ) have a duty to report accurate information. It has come to my attention that this duty has not been fulfilled. 

Furthermore, FCRA 15 USC 1681s-2 a ( 1 ) ( B ) states that once a consumer disputes the accuracy of information, the consumer reporting agency has an obligation to investigate and correct any errors. Despite my repeated attempts to dispute and correct the inaccurate information on my consumer report, your agency has failed to take the necessary steps to rectify these errors.

FCRA 15 USC 1681s-2 a ( 2 ), which emphasizes the duty of consumer reporting agencies to correct and update information promptly. In this regard, your agency is in direct violation of this provision by persistently failing to correct the false information on my consumer report. 

These ongoing violations have caused me significant distress and anxiety, adversely affecting my ability to obtain credit, housing, and a better quality of living for my family and me. 



" Date of Last Activity '' and " Closed '' dates are incorrect TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments XXXX XXXX XXXX  XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by TransUnion and XXXX, charge off reported with late payment XXXX XXXX XXXX  XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by TransUnion and XXXX, charge off reported with late payment XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$13000.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Deleted XX/XX/XXXX XXXX Closed XX/XX/XXXX Deleted XX/XX/XXXX Deleted from XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Deleted XXXX Closed XX/XX/XXXX XX/XX/XXXX Deleted Previously disputed and deleted account, but TransUnion and XXXX re-entered under different name with false dates reporting XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments on XXXX report XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received .These collection agencies are very reckless by just placing accounts on consumers credit reports without sending them any written notification.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a comsumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( TransUnion, XXXX, XXXX ) which has decreased my credit score
Product: Student loan

MOHELA is not withdrawing my payments from my bank account and is notifying me very late such that I do not have time to fix the issue. Their website says to expect a response within XXXX business days and this is not the case. They are putting my loans in administrative forbearance without my consent and are not responding to my multiple inquiries. It is very challenging to reach them over the phone and takes an inordinate amount of time to get help and no one at MOHELA has been able to resolve my issue.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.. I have been reporting this derogatory account for couple of months and yet you guys is not doing any actions and I am not getting any result. Below is the the item im AGAIN disputing. 


XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Someone tried to use my credit without my consent all on the same day for some type of financing. Before this I had XXXX ABSOLUTELY XXXX  HARD INQUIRIES. Please help remove this fraud off of my ACCOUNT PLEASE!!! 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I visited a local Keybank branch office to provide the necessary documents in order to access my father 's checking account ( set up under his trust ) and money market. I provided the entire Trust documents to include the Trust Agreement, Affidavit and Acceptance as successor trustee, and two independent medical certification letters prepared by my attorney, along with the Durable POA, giving me comprehensive financial authority inclusive of the Estate and Trust. I am seeking access to my father 's accounts in order to pay his XXXX XXXX XXXX XXXX home expenses. My father is a long term patient in a memory care facility and currently under hospice care. Despite a follow up visit to the branch office and elevating the complaint to the KeyBank Client Relations Office of the President at the Corporate office, I have received no response. I have made follow up phone calls without response, and nor have I received any written response validating their denial in accessing my fathers accounts. The verbal explanation I was give by the local branch, is their legal department has denied the validity of the XXXX certification letters, which took six months to secure from the XXXXXXXX XXXX XXXX Both these letters were prepared by legal counsel, signed, dated, and fully compliant under state law. 
Furthermore, a notarized affidavit was attached with my assignment as successor trustee. These documents were fully accepted by at least four other financial institutions and insurance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Money transfer, virtual currency, or money service

I sent for refund requests for 4 different money orders. I received 4 checks from Western Union and can't cash them. Took the checks to XXXX XXXX and they are saying the checks Western Union sent me are fraudulent checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES 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: Checking or savings account

Deposit XXXX via mobile deposit from a settlement that ive been waiting on for months. Deposit check  on XX/XX/XXXX wont be avail for XX/XX/XXXX. Not acceptable at all. I feel like they are gaining interest while its on hold and should not take that long for a check to clear. If that was the case i should've just cashed it. Somewhere else. Numerous customers are having the same issue. I just want my #
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Product: Money transfer, virtual currency, or money service

A fraudster had created a fake mail id in the name of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and sending mails to all professionals to remit the travel and accommadation charges and will give discount of XXXX XXXX and getting the money transferred to above said account. He had created mail id XXXX and says that he is XXXX. XXXX XXXX, XXXX, The XXXX XXXX XXXX, XXXX XXXX. 

Later he asks us to transfer the amount to his account in Bank of America, XXXX, XXXX  XXXX XXXX XXXX : XXXX with account number XXXX. 

Once you transfer the amount that is the end. He draws the money and escapes to some other country. The Bank manager is not helping. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have been attempted to contact Persolve Legal Group attorney who filed a lawsuit against. The collectors on the line refuse to allow me to speak with their legal team and instead state they are the legal team. I have been trying to resolve this matter for months but have received nothing but belittling and threatening phone calls from this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency XXXX block information appearing on my credit report that is the results of Identity theft, Equifax XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX XXXX XXXX  | XX/XX/year> XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX | XX/XX/year> XXXX  | XX/XX/year> XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX | XX/XX/year> XXXX | XX/XX/year> XXXX : Account number : XXXX XXXX  | XX/XX/year> XXXX XXXX XXXX | XX/XX/year> XXXX  XXXX XXXX | XX/XX/year> XXXX | XX/XX/year> XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX XXXX XXXX AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit is looking like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you may have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 

XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Account XXXX
Product: Credit card

XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION
Product: Mortgage

I keep getting told that I cant pay my taxes so that my estimated escrow amount wont keep increasing I started this loan for the property at XXXX a month now they are wonting over XXXX a month I will not be able to continue paying this and my need to file for bankruptcy or other means to get rid of property and cost of it this country is past the point of no return and Im ready to leave it for good
Product: Credit reporting

There are XXXX problems on my credit report with Experian 1 - There is an account listed which is not mine Creditor : XXXX 2 - The total for " Revolving Credit Limit '' includes limits for accounts which are closed I had mailed a dispute form to them in XX/XX/XXXX but have received no response.