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

TransUnion is in blatant violation of FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] which states the following : a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1. In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

2. In accordance with the written instructions of the consumer to whom it relates.

3. To a person which it has reason to believe A. intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or B. intends to use the information for employment purposes ; or C. intends to use the information in connection with the underwriting of insurance involving the consumer ; or D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ; or ii. to review an account to determine whether the consumer continues to meet the terms of the account.

I've written letters, sent faxes, called and e-mailed regarding inquiries I did not authorize. With each correspondence I sent proof that I filed an FTC report. Each time, TransUnion claims that inquiries are a matter of factual record which is false according the the FCRA. Per sections 604 & 605 of the FCRA the following inquiries should be removed from my report : XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By refusing to remove the unauthorized inquiries TransUnion is blatantly violating my consumer rights and disregarding FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to request my alleged ownership of the accounts but so far have not gotten any mailed response to my request. i have been a victim of identity theft and i requested to get all copies of my signature documents which is alleged to prove ownership of the accounts.so far i have not heard any response but the accounts are still showing on my credit reports.
Product: Checking or savings account

This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. 

Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!

What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.

The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! 

I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX, I paid for the remaining lease payments on my XXXX XXXX XXXX. In XX/XX/XXXX, I traded in this vehicle to XXXX XXXX. At that time, XXXX XXXX sent a check to Chrysler Capital buying the vehicle. On XX/XX/XXXX, I went into a XXXX dealership to purchase a new vehicle. Upon doing a credit application, I was denied. After going to a different dealership, the sales manager called Chrysler Capital. At that time, it was discovered that the vehicle in question account was closed with an OUTSTANDING balance of {$20000.00}. This is the amount of the check that was sent over 2 years ago from the dealer who purchased the vehicle. Chrysler Capital credit department never updated the file to " paid in full ''. After making nearly 20 calls to find out what was going on with my account, I was finally able to reach a representative in the Office of the President who did THOROUGH research who had the file updated and reconciled with a " {$0.00} '' balance.
Product: Mortgage

XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # ending in XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 or other personal consumer reports

I notified Bank of America of reporting inaccurate information on my consumer report on XX/XX/2023 concerning an account ending in XXXX. Bank of America replied that they verified that all the information is correct and it seems to be my account. Bank of America did not read my letter concerning the nature of my letter. Reporting a charge off on my consumer report is inaccurate information. I am not disputing with Bank of America whether this previous debt was mine or not. I am disputing with Bank of America that reporting a charge off on my consumer report is furnishing inaccurate information. I have sent Bank of America evidence of the meaning of a charge defined by the IRS. According to the IRS all charge offs over XXXX dollars is considered income. According to Eperian income is not supposed to be reported by any furnisher to any Consumer Reporting Agencies. This tradeling account at the very least must be reported as paid for less in my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I called today XX/XX/22. Ive received nothing in the mail about this and my only notice was it appearing on my credit on Monday XX/XX/22. I tried to reach an agreement with this company today as I am in the process of buying a home, and I need this removed from my credit to get approved. Unfortunately they could not provide me with anything in writing stating it would be removed from my credit if I paid it as it is not in their policy to provide that. 
I am more than willing to resolve this, if I wasnt I wouldnt have called them over 15 times today alone to try to resolve this only to reach their voicemail all but the last time. They must provide, in writing, that this debt is valid, and my right to dispute the debt if it isnt valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXXXXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX DIST CT Bankruptcy XXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/21 XXXX XXXX XXXX received my request to validate a debt they claimed that I owe their company. They have not responded to my request to this date and they are in default.

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In mid to late XX/XX/XXXX, Contract Callers, Inc. phoned my home on two to three times, first asking for me by name and I confirmed my name to them. Then they asked me to verify my address. I asked who was calling and why was my address necessary. They refused to give me any information or identify themselves ; instead stated that they could not say why they were calling until I gave them my home address. I refused and hung up the telephone each time. In XX/XX/XXXX, I discovered that Contract Callers, Inc. had placed an alleged debt on my credit report on XX/XX/XXXX. I never received a letter to dispute or confirm this alleged debt in the mail. In XX/XX/XXXX, in an attempt to settle this violation, I sent a letter notifying Contract Callers , Inc. that a complaint would be filed against it for violations of the FDCPA and FCRA if we could not negotiate some type settlement. An attorney for the company responded by saying that there are no violations, ( copy attch ) with a convenient copy of a debt notification letter to me dated XX/XX/XXXX, a date of two days after the debt was reported by Contract Callers , Inc. on my credit report. I have found that this company has a pattern of this type of practice with numerous complaints posted on the internet.
Product: Credit reporting or other personal consumer reports

Due to a data breach, I have discovered XXXX XXXX services account # XXXX on my consumer report with Equifax and XXXX. XXXX XXXX is in the amount of {$23000.00} from XX/XX/year> I have contacted and certified mailed both consumer reporting agencies with notarized Affidavit statement, copies of my identity with a copy of my social security card, a copy of my bill and a copy of my FTC report. This has resulted in compromising my consumer report and has additional unapproved credit inquiries for instant XXXX XXXX XXXX and XXXX XXXX XXXX. I need professional assistant to prompt this requested process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint : " I have reached out to XXXX XXXX/ XXXX over 4 times now regarding my credit card account. Twice they have told me they would remove these late payments on my credit reports. Months went by and still nothing. I called again another other two times and was transferred to another department and then subsequently hung up on while waiting. They are showing 4 late payments ( XXXX, XXXX, XXXX, XX/XX/2017 ) which is 100 % incorrect. I set up a payment plan with XXXX in XXXX and the lady with whom I spoke to informed me I would have ZERO late payments on my credit report. Despite having this confirmed, I still kept receiving payment deliquencies on my credit report from this company even though I was making payments on time in my payment plan. I need these removed as these are not incorrect, but are seriously hurting me financially. I have been a loyal customer to XXXX for several years and want to be treated better than this. " XXXX XXXX XXXX XXXX ( representing XXXX in the consumer complaints dept ) stated that I did not pay the correct amounts past due. However, the amount I paid were the amount STATED as due on my account " viewed online ''. The paper statement was correct but the online amount due WAS NOT CORRECT ... I paid what I was asked to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH mortgage is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with PHH, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.
Product: Mortgage

On XX/XX/XXXX my mortgage with XXXX XXXX was sold to Mr. Cooper. When Mr. Cooper took over the servicing of my loan, they said that I owed an escrow amount of {$1200.00} which I never had with XXXX XXXX. For over a year we have dealt with several individuals and many departments to try and get this escrow amount removed and our account restored with no escrow amount owed or on our account. Over the past year I have made my full mortgage payment on time, yet someone in Mr. Cooper reinstates this fictional escrow account and I have to call up and get it reapplied. This cycle has been going on for over a year and I have called every month to get the escrow removed. Now for XX/XX/XXXX, they are saying that I am late with my mortgage payment because they have applied a portion of my XXXX and XX/XX/XXXX payments against this fictional escrow. We continually get bounced around from department to department and different individuals apologize for Mr. Cooper 's boorish behavior and promise to fix it. This problem never gets fixed and this has become so stressful for me that I am compelled to lodge this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX-ACCOUNT- # XXXX I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. I am demanding proof of the first investigation that was conducted, please forward all material related to such investigation to my home address listed above. 
This account is hurting my ability to obtain credit. This account was charged off XX/XX/year> since then this account has repeatedly been updated as a charge off every single month for the past 46 months. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history, this inaccurate information falsely manipulates the statute of limitation you failed to investigate this account properly and have neglected my rights which is protected by federal law according to section 15 U.S.C 1681 ( 5 ) ( i ). I am demanding a deletion of The following account. XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Location XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Product: Mortgage

Defaulted on loan, worked with mortgage company for mortgage assistance, repayment plan ... Made three timely payments back in XXXX, XXXX, and XXXX. Mortgage company stated did not received signed documents after the three payments were made. Have been working with lender to make payments since last payment was made. A couple weeks ago, I spoke with account manager/specialist, documents were submitted where approved for new plan, latter called mortgage company to make payment ( {$7400.00} ) and get back on a repayment plan. The company stated they did not file the paperwork it was an error on lenders side. Today I called again, approval was given for down payment, but customer service agent stated it was denied. I have made several attempts to make a payment to my mortgage company so I can keep the house. As of today still unsuccessful. I have a call from lender, ( specifically, account manager ) to discuss options again. Also have another call scheduled for XX/XX/26.