23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Trans Union is ignoring my requests to investigate an account from my credit file that does not belong to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute on my account with TransUnion informing them that the XXXX XXXX XXXX account was derived from a fraudulent Contract. Yet they still allowed XXXX to continue to report this Account as accurate and correct. XXXX was well aware of the facts that me and my wife signature was forged on numerous documents including the contract in whole. Yet Transunion continues to allow them to report a fraudulent account and XXXX XXXX XXXX is well aware of the facts and also has the forged documents in their possession and knowingly mislead TransUnion and for transUnion to continue to allow XXXX to report an Account that is created from fraud and Identity Theft is in it's self being a party to fraud and Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to process DISPUTE on site that is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. 

No matter how many times you try, it always says " Dispute Temporarily Unavailable '' This CFPB agency is a joke. You guys never do anything to help ordinary Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX Account Name-XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXXXXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX   ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX 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

On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Santander consumer usa,XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX selling my information insurance fraud and tax fraud with a major corporation selling it on my information to anyone that wants to buy it FCRA violations selling to debt collectors that wrote the debt off to get tax break
Product: Mortgage

In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have XXXX loans with XXXX and they applied both payments to XXXX loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of each check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account : has violated my rights : XXXX - XXXX - Late Payments 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without written instructions
Product: Credit reporting

XXXX unauthorized use of name account unknown verification of debt with original proof provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit and noticed that there are account ( s ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXXXXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with XXXX/XXXX and Transunion and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX
Product: Mortgage

I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finds indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to explode the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This company XXXX XXXX XXXX ALSO known as USCB says that I OWE $ XXXX. I have disputed to them numerous times over a 2 month period that that account was not accurate and i asked them if they could provide me a documented copy of my signature on paper. Ive requested to them with my disputes that they remove this incorrect item off my credit report and update immediately. I have not received any response nor have I received any removal off my credit report. I have reached out to them via phone and no luck there either. I know this account is incorrect and I need them to remove the debt immediately.
Product: Debt collection

I got a phone call from a phone scammer saying I owed debt to a company Ive never talked to. They knew my name as well. XXXX ( XXXX ) XXXX
Product: Checking or savings account

I filed a dispute claim for unauthorized transactions on my account. I received a provisional credit on XX/XX/XXXX in the amount of {$490.00}. Upon reflection of my account I was also supposed to have received an credit in the amount of {$600.00} from the merchant as well on XX/XX/XXXX. As of XX/XX/XXXX I have still failed to receive the {$600.00} credit to my account. My account statement also reflects that the credit was never returned to my account as well. Netspend representatives have failed to comply with policy inregards to the present error and Id like assistance for the retrieval of funds. Also if the merchant returned {$600.00} which was 1 out 3 disputed transactions within the dispute claim how is it that Netspend found no error in the other two transactions if the merchant itself returned a portioned amount?
Product: Student loan

This company has called and they 've also written requesting that I pay the loan in full. I 've had situations in life arise where it left me in a financial ditch. Whenever a representative contacts me, I 've tried explaining that I ca n't pay the balance but I 'm willing to send in small payments at least by making some contribution towards decreasing this loan, but they 're never willing to make payment arrangements with me. Now it 's on my credit affecting my score and showing as delinquent when I did try to maintain a positive status with the company. It has gone to another debt collector. No luck with them and the representatives are very rude and unprofessional.
Product: Credit card or prepaid card

I closed out my on XX/XX/XXXX and the ballance was paid with the prepaid money XX/XX/XXXX i did this because XXXX XXXX mobil app did not post my payment and i was charged late fees 2 mos in a row. So capitol one then charged me intrest on XX/XX/XXXX and again this month after the account was paid off they are saying i am responsible but i told them i was closing my account out and then to top it off they charged me a late fee for not paying the interest ... I told the agent that i wanted the account closed and finalized. This is for XXXX but its the principal they should have included the interest in my final ammount and didn't so i should not have to pay this or the late fee.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. I have not received any requested documents. 


SELF FINANCIAL/LEAD BANK - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new  law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
Product: Credit reporting or other personal consumer reports

Sent and called about account to verify be of Two accounts being reported from this company under ( Montgomery Wards & Swiss Colony ) That was settled XX/XX/2024 by still reporting under the account number w/ Derogatory remarks with late payments
Product: Debt collection

On XX/XX/XXXX, I had a test reading from XXXX  XXXX XXXX  XXXX. They filed a claim with XXXX  for {$1300.00}. XXXX  paid them on XX/XX/XXXX for the approved amount of {$81.00}. On XX/XX/XXXX, XXXX XXXX XXXX  XXXX was paid for a claim filed with XXXX XXXX for the remaining balance {$20.00}. Those two payments completed all amounts due and my balance was XXXX. Many months later I received a letter from CMRE Financial Services , Inc . The letter threatened to submit a negative credit report to XXXX  and XXXX if the balance listed on the letter was unpaid. They offered 4 methods you can use to pay Creditor XXXX XXXX XXXX for the amount of {$380.00}. No date of service was supplied and an arbitrary amount of {$380.00} did not exist in any claims. I called XXXX XXXX XXXX   XXXX and was told that the account was sent to collection CMRE and they could not help me with a billing problem because my account was sent to CMRE. I was told that CMRE does all of their billing. I contacted CMRE via phone and tried to find out what this bill was. They told me to request anitemized Bill which was dated XX/XX/XXXX for {$380.00}. It did not include a procedure, only a date of XX/XX/XXXX and a balance due of {$380.00}. I was not successful getting CMRE to acknowledge a balance of XXXX based on my claims for that date. Today, they did exactly what they threatened. The put a negative collection report on XXXX that I was notified of today. I contacted XXXX to dispute the report and they told me that I must get CMRE to take this collection report off my account. As a result, my credit score decreased 122 points from a normal score in the 800s. So, Im trying to get a fraudulent charge for collection removed from my credit report by those that fraudulently put it there.
Product: Mortgage

I was impacted by hurricane Irma in XX/XX/2017. I contacted Mr. Cooper/Nationstar Mortgage to inquire about a forbearance program. I was told that due to the hurricane I qualified for a 3 or 6 month forbearance and that the forbearance payments would be tacked on to the end of the loan. Prior to starting my payment again, I was told that I was given wrong information and that I owed the outstanding balance or I needed to modify my loan. If neither was done my home would be foreclosed on. I can make my monthly payments, however I am not able to payback the forbearance amount all at once. They will not honor the original terms. Please help. 
Mr. Cooper/Nationstar Mortgage has since sold my mortgage to XXXX XXXX XXXX   and they also will not honor the forbearance payment to be added to the end of the loan.
Product: Vehicle loan or lease

US Bank was the title holder on my car, which was included in my bankruptcy in XX/XX/XXXX. The bankruptcy was successfully discharged in XX/XX/XXXX. I received notification from my attorney in XX/XX/XXXX that there would be a final hearing on XX/XX/XXXX to complete the bankruptcy. I was called by the attorney 's assistant and told that it was complete. They would send me paperwork and fax a copy to US Bank to release the title. 
I called US Bank starting in XX/XX/XXXX asking about the title. I was told they did not get any paperwork from the attorney 's office. I waited 30 days then called again. I was told it was in " processing ''. that it would be 7-10 business days before I received it. 
Same story every month. XX/XX/XXXX I called again. Different person. Said she would send the request to the processing people. I called back XX/XX/XXXX. The processing people said they did not receive that request ; call back in a week. I did. I was told at that time that the title lien was released to the county where I lived before I moved to XXXX XXXX TX. on XX/XX/XXXX. I called XXXX XXXX County and they said they had received it and I could apply for it over the phone with them that day. I finally got the title 10 days later. I am appalled that the US Bank personnel could not look in their records after one of my phone calls and tell me that the title had been released. And why to the County? Why not to me?

Their business practices leave a lot to be desired, and their phone message that the call may be recorded for training purposes is a hoot! Who are they training? Certainly not the people who call themselves customer service representatives!
Product: Money transfer, virtual currency, or money service

I transferred {$1100.00} from XXXX to XXXX XXXX on XXXX XX/XX/2023 using Remitly which is a financial institution based in XXXX, Washington, United States. I was notified by the company that my money has been delivered to the recipient in XXXX XXXX the same day, however, after checking with the recipient, it was confirmed that they did not receive the money in their account. I contacted the customer service like 6 times, every time I call them, they just tell me that their partner bank in the recipient country has confirmed that the money has been transferred to the recipient 's bank. I even shared the bank statements of the recipient with the company to show them that the money was never transferred to the recipient account. Company always end the call by saying that someone from their specialized team will contact me but nobody does that. Its been XXXX weeks now, I have no idea where my money is and my family in XXXX XXXX is still waiting for it as it was for some emergency purpose. I would be grateful if Someone can help me with this issue, as It was a hard earned money and its so frustrating that I have sent it XXXX weeks ago and still its not received by the recipient and the Company is least bothered and very unhelpful.
Product: Credit reporting or other personal consumer reports

I am adding documents or information that were missing or as directed by the support team : per file number XXXX, originally submitted by me on XX/XX/year> and responded by TransUnion on XX/XX/year>, with a request for an acceptable TRAFFICKING VICTIM DETERMINATION DOCUMENT, in order to promptly block the trafficking related adverse items originally listed in the original submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

cancelled my service, and paid what i owed, they said they cancelled the wrong dates and i still owe them XXXX
Product: Mortgage

SPS is in violation of the terms of my mortgage contract. 

-They are misappropriating my monthly mortgage payments ( principal and interest ) to gain more interest payment vs. my entitled principal amount, based on calculated interest and amortization. Collectively has added to XXXX  of dollars since XXXX. 

-They are in violation of miscalculating my yearly interest rate as per the Federal reserve board `XXXX constant 1 year maturity, '' as per the terms stated in my contract. 

-Upon contacting them they state that they will have an answer in " 30 days, '' it has now been months. They continue to erroneously and fraudulently apply my mortgage payment benefiting them each month in the XXXX  of dollars, as of XX/XX/XXXX payment.