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

I the consumer submitted CFPB complaint XXXX on Transunion LLC on XX/XX/2020 via CFPB portal. 
Transunion sent letter XX/XX/2020 Refuse to investigate unless provided letter from the court in which I provided in CFPB complaint XXXX along with evidence that showed that the public record was not reporting 100 % accurately and the same across all three bureaus. 
Transunion sent a second letter XX/XX/2020. Received letter XX/XX/2020 Stating that results are verified as accurate. Item is still reporting inaccurate on credit report and must be deleted immediately. 
XX/XX/2020 in CFPB complaint XXXX Transunion keeps stating in every CFPB complaint : " We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. '' 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Transunion is not following reasonable procedures to assure accuracy of the public record that they are reporting on my credit report. Transunion claims that they verified the public record with XXXX XXXX XXXX GEORGIA. This court name is inaccurate and continues to report as U.S. Bankruptcy Court as XX/XX/2020 which is an inaccurate court name. I have provided factual based information in last CFPB dispute. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurate. If it is not reporting 100 % accurately across all three bureaus it must be deleted via the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX to reinvestigate these accounts : Account name : 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 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. XXXX XXXX IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. MEDICAL DATA SYSTEMS INC IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.
Product: Mortgage

My mortage started on or about XX/XX/XXXX ; I started to fall behind on my mortage. But never stopped making payments. Some payments were full payments, others were partial payments and some were a lil more than just regular payment. When my account became defaulted was because of medical issues. And in results of that financial situation started to impact my mortage and other bills. When that happened I wrote a letter explaining my situation. Which was apparently ok as long as I kept making payments. And keep mortage less than 120 days past due. I have trying to keep up with payments to come current with account. 
On or around XXXX I spoke XX/XX/XXXX I spoke to a Rep. at Ditech and explained that my Hardship was over, explained that I had made arrangements to make my home a priority. In my explanation I stated that I retuned a vehicle I was paying for and some furniture that I was also paying. That my husband had started to work, and that at no time my intention was to loose my home. That I am doing my very best to come current. And again explained that was not going to happen over night. 
On or about XX/XX/XXXX I get a letter from an attorney representing Ditech. Letter in which says all past due must be paid in full. I had a 2 month payment to send. Called Dietch and said they could not take partial payment and that the full amount had to be paid in full. 
I have been working really hard to keep my home. And just out of no where I get this letter stating all past due must be paid in full. 
I am aware my account is defaulted. But honestly have my doubts on amount. Because I had been making payments. Whether they were partial payments or full payments. And had explained to them my situation. I just want a fair negotiation towards my home. I do not want to loose my home. 
On XX/XX/XXXX spoke with XXXX from Ditech again explained that my hardship was due to illnes, something no one wants to go through. But that was over offered to send my payment, and that I was ready to stay focused on my home as a prioty. Did explain that my intentions was not to get into more debt owing more than what I can pay. Also explained I was only focused in my home as prioty. XXXX mentioned that with a lum sum of past due maybe an arragment could be made if it satisfies all parties. 
On or about XX/XX/XXXX I received a call from XXXX XXXX asking what were my intentions with home. Once again I told them that at no time do I want to loose my home. I did tell him I had some of that past due amount, but that I was short by about 2,000. Something to which he replied ; come on can you borrow that money and send your payment and just get it over with. 
I said I do not want to get my self in debt stressing myself with another payment. I am working with what I have. I said I know you want your money and I want to keep my home. Mentioned to XXXX what XXXX had mentioned about maybe a lum sum of past due and agreed by all parties an arragment can be made. XXXX replied : dont know why she even said that, there is no way possible. He mentioned I suggest you come up with the money and get it over with.
Product: Debt collection

collection agency ( XXXX XXXX ) violated Cease and desist notice on an account housed within their firm, through Email communication after informing via email of a 2nd account allegedly owed by me ( which was already addressed in court )
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have not received any follow up letters from the bureaus for an update or account status
Product: Credit reporting or other personal consumer reports

I do not recognize this acount on my credit report, I also have been disputing this account for months and is still reporting inaccurate which is not under FCRA compliance. please remove this account from all credit reporting agencies immediately.
Product: Credit card

Synchrony Bank refuses to acknowledge a data error within their systems. 
XXXX XXXX disbursed XXXX debt consolidation checks for Rooms to Go, Lowes, and Amazon XXXX. A Synchrony Bank representative placed the payment ( {$1100.00} ) for an Amazon XXXX Account to Rooms to Go account. By the way, the XXXX credit cards just mentioned are financed by Synchrony Bank. When I called back for them to correct the error, the representative placed the Amazon XXXX payment to the correct account. However, the Amazon XXXX payment ( {$1100.00} ) was left on the Rooms to Go as a purchase. A Synchrony Bank representative labeled the ( {$1100.00} ) as a purchase on the Rooms to Go Account.
Product: Credit card

XX/XX/24 - open homedepot card, purchased {$310.00} with the new account. Card supposed to send to my home XXXX business days. I have not received after XXXX weeks, than got text message that it used to purchase, I called Citi banks to cancel the card and account. They did but they resent me a replacement, which I didnt also recieved. 
XX/XX/24 - fraud purchase {$100.00} XX/XX/24 - fraud purchase {$1400.00} XX/XX/24 - fraud purchase {$55.00} XX/XX/24 - fraud purchase {$1100.00} XX/XX/24 - fraud purchase {$500.00} XX/XX/24 - fraud purchase {$810.00} XX/XX/24 - fraud purchase {$360.00} I called Citi bank and reported these fraud purchases many times and told them that I did not even got those cards. On top of that I was requested to cancel the account and card already, but the citi bank still sent card out. It got stolen and made fraud charges as listed above. 
XX/XX/24 - called citi bank dispute charge. They said they will investigate take XXXX weeks. 
XX/XX/24 - received statement that charges refund and clear. 
XX/XX/24 - paid {$310.00}, my purchase, by phone to citi bank customer service person. Citi bank told me my account is clear and close. 
XX/XX/24- received another statement with all above charges is on bill. I called citi bank right away, and they said those valid charges, that why it still remains on the bill. Again I never got those cards, and didnt make any charges, the only thing I did many times were calling citi bank notify them about fraud charge and the refuse to help and put those responsibilities on my account. 
Please help to dispute these charges because those were made the frauds. 
Please contact me at XXXX if you have any question. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Mortgage

We financed our mortgage through XXXX XXXX  and had our homeowners insurance through XXXX ( the policy was brokered and serviced through XXXX ). Our mortgage was sold from XXXX XXXX to Wells Fargo sometime last year. Evidently in the process of acquiring our mortgage Wells Fargo was not able to set up payment to our insurance company through our Escrow ( which is how we had it set up with XXXX XXXX ). We received notice in XXXX of XXXX that our policy was going to be cancelled due to non payment on XX/XX/XXXX. We contacted both XXXX and Wells Fargo XX/XX/XXXX. We advised XXXX that Wells Fargo had purchased our mortgage and gave them our mortgage information, we advised Wells Fargo who our insurance company was and gave them our policy information. We were told by both companies that there was nothing further that we needed to do and we also received a declarations page showing the renewed policy on XX/XX/XXXX. The effective dates of this policy were XXXX XXXX XXXX 

We received notice from Wells Fargo early this XXXX that our homeowners was set to expire XX/XX/XXXX and they were not able to confirm it was set for renewal. We contacted XXXX and they advised that the policy was cancelled XX/XX/XXXX. This was just 3 days after we contacted them to make sure it was set up correctly. They advised it was cancelled due to non-payment. Evidently Wells Fargo sent out payment for the full year on XX/XX/XXXX and XXXX received it on XX/XX/XXXX. XXXX said since they did not receive it by XXXX they took payment for the 2 months or so that we were covered, refunded the rest to us and left the policy as cancelled. We were not notified at this point as they thought the cancelation they sent out prior was sufficient. They said they sent us a refund of the difference to our home. We did not see the check. Perhaps we never received it or we just did not notice it when it came in the mail. We also never saw a cancellation notice. We are not denying that they sent it ; we may have not noticed it when we received it. This check was never cashed because we did not know we received it. 

Now Wells Fargo is trying to get us to pay for almost a year of replacement insurance because of the " lapse in coverage '' and XXXX will not even offer us a policy because of the same reason. We have asked both companies for an internal review and both have said they handled the situation correctly and will offer us no indemnity. I contacted an attorney to see how to remedy the situation and they advised me to put in complaints to the XXXX Attorney General. The Attorney General advised us to contact ConsumerFinance.gov. We currently own 3 homes and we have never missed a homeowners insurance payment on any of our other properties. This situation was simply completely screwed up by both Wells Fargo and XXXX XXXX
Product: Mortgage

Hi, I purchased a newly built single family house on XXXX XX/XX/XXXX. The purchase price of the house was {$260000.00}. I made a down payment of 10 % and took a loan of {$240000.00} from BMO Harris Bank, in a 5 year ARM at 2.75 % interest. 

That loan came with a monthly PMI of {$78.00}, which I am paying with my mortgage without any fail. Initially I was told that my PMI will be cancelled when my LTV reached 80 %. But I noticed that BMO Harris is still charging PMI even after my LTV crossed 80 %. I asked BMO Harris Bank local branch and they told me that the PMI would not be charged once my LTV reach 78 %, which would be after XX/XX/XXXX. As per the suggestion of the BMO employee, I sent a written request towards that goal. I never received any written acknowledgement for that letter confirming BMO Harris received my letter asking to cancel PMI. 

BMO Harris also told me that any extra payment to reduce principle would not be considered for PMI cancellation. We paid {$200.00} extra every month towards the principle. I think what BMO Harris is saying is against law, as I checked from this website, which says, You can ask to cancel PMI earlier if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home '' - https : //www.consumerfinance.govXXXX On top of that, BMO Harris want me to pay {$500.00} for an appraisal of my property to cancel PMI in future. I refused that considering the same website that indicates such property appraisal is needed to refinance loans and not for fresh or new loan. Moreover, BMO Harris itself have all the documents to show that the value of my single family home has increased to {$350000.00} ( as against {$260000.00} purchase price ) as per the city and for which I am paying higher taxes too, which BMO has an escrow account as well. 

I checked all the documents that the Bank gave us during our signing of the loan and it says nothing about PMI cancellation or how would it work. 

Im getting more frustrated with this bank and tend to think that Im being cheated by them. They messed up last year tax calculation and for which I had to pay an about extra {$900.00} for many months. That was not easy. 

I like my PMI payment be cancelled immediately. 

I also have the following questions : 1 ) How and when can I cancel my PMI payment? 
2 ) When will that PMI be cancelled automatically ( without any action from my side ) if I keep on paying my monthly mortgage, as I'm doing now? Or will that PMI be charged for till the end of my 5 year ARM period ( XX/XX/XXXX )? 
3 ) I also like to know what will be my loan amount that we need to pay BMO Harris after 5 year ARM period is over ( XX/XX/XXXX ). 

Thanks,
Product: Debt collection

I have been making ACH payments through my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga for over a year. I found out de facto that XXXX had closed their business sometime after withdrawing my XXXX 2016 pmt. The company did not inform me and apparently sold my debt to Midland Credit Mgt. Midland immediately placed a dunn for non pmt on my credit reports. I am absolutely not responsible for any of these ocurrances. I have been paying this account faithfully & should not be penalized by their oversights.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, XXXX nor Transunion is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Product: Debt collection

Company called ARA left a message on my phone stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I am saving the phone message.
Product: Credit reporting, credit repair services, or other personal consumer reports

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX  account is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS. 
THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX XXXX BREACH...
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Debt collection

I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???