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

TransUnion reports a 'Serious Delinquency ' and 'Unknown time ' of the delinquency to entities using their XXXX credit scoring product but my report does not show any derogatory entries, not am I able to locate any information in my report to substantiate these claims. Attempts to contact their customer service group by postal mail or phone to obtain information about this discrepancy have not been fruitful, with either generic form letter responses or agents who are also unable to find any information in my report to explain these 'reason codes. '
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to finance a vehicle and was denied due to fictitious forms, Deceptive practices and lack of a down payment when NO down payment ( Cash transaction ) is necessary nor required for a Consumer credit transaction where a finance charge is present pursuant to ( 15 U.S. Code 1605 - Determination of finance charge ) I was also provided a form falsely identifying my Credit score as a XXXX on XX/XX/2022 when that is easily proven as inaccurate. My score was XXXX until their multiple inquiries on the date of XX/XX/2022 which decreased my score to XXXX. ( see attachments provided ) This is also a violation pursuant to ( 12 CFR 1006.18 - False, deceptive, or misleading representations or means. ) ( c ) ( 2 )
Product: Debt collection

Hi, I am a mom of XXXX sons. We had a family plan on our XXXX account for many years while they were young. I called XXXX after they were old enough and we separated the accounts, different addresses. 
my son kept up the account on his own as he was XXXX through XXXX and paid his bills on time, however, he moved to XXXX, and did not pay last bill... I had no idea..he had no idea and no-one EVER called me about it and I have been with XXXX and STILL AM after 20 some odd years and ALWAYS PAID MY BILLS ON TIME!! 
purchasing the newest phones etc and never told about this discrepancy. 
yet, I just open a credit report and i see that this is in collections, has dropped my credit score since XXXX 2021 and I'm livid, as I am trying to buy a house ... MY credit was impeccable, yet this dropped drastically ... I just called JEFFERSON CAPITAL SYSTEMS and paid this {$180.00} debt with my credit card..conf. number XXXX ... 
whether it belonged to me or not..my credit is important. this company is not dealing with public fairly... and they were not very nice either... PLEASE SEE THAT THIS IS ERASED OFF OF MY CREDIT REPORTS... this is unfair, XXXX is underhanded.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried twice now to get the bank to credit my account for fraud against me. I have asked for copies of the documents that they used to say that the charges were authorized. I didnt authorize them so who did they give the authority to to authorize use of my account and my card. They sent me a letter that states that they would be willing to send me copies and when I asked them for them they tell me that they can not send them to me.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Checking or savings account

XX/XX/XXXX I needed to change my phone number on my XXXX Bank account. The app would not allow me access to my account until I did this, but every time I tried, I would get an error message. 
XXXX called the XXXX number and the rep could not change my number for me. She said IT would call me back. 
XXXX called me back and left a message. I returned the call the next day and was told this was a known issue and there would be a resolution by end of day, and I would be contacted. 
I heard nothing, tried multiple times to attempt to access my account and still can not. 
I contacted them back on XX/XX/XXXX. This time I was told that my identity can not be verified through my cell XXXX, and I would need to figure out what was different in order for my number to be able to be changed. I was offered no additional assistance. I explained to the rep that I needed access to this {$54000.00} because I have lost my job. She only offered to close the account and mail a check. I explained that I wasnt comfortable with that amount of Money being mailed to me, and how was it that I could have it sent to me, but I cant have access to it online? She contacted XXXX while we were speaking, and then told me they were reporting that my issue was still a known issue involving multiple customers. I was told there is no fix, and no timeline. I asked again how I was supposed to access my money, offering to verify my identity a multitude of other ways, including SS #, drivers license, etc, and was told no, that wouldnt work. I was told I simply can not have access to my account, and they dont know when I will.
Product: Credit reporting or other personal consumer reports

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report.

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX  XXXX XXXX The inaccurate furnishing of data has had a significant detrimental

impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 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.

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. Thank you for your time,
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
Product: Checking or savings account

On XX/XX/2022 I received a text message seemingly from JP Morgan Chase asking if I authorized a XXXX payment to XXXX for {$2000.00}. I replied no and immediately received a call from the same 800 number that is on the back of Chase debit cards. They informed me that someone had hacked into my XXXX account. Upon opening the mobile banking app and going to the XXXX feature, the app reflected my first and last name and said it was registered to XXXX. At this time I was trying to get control of my XXXX back because it was absolutely hacked prior to receiving the text and call. The {$2000.00} left my account when I associated my cell phone number to my XXXX account. I now have discovered this is a nationwide fraud event that is affecting thousands of people and Chase is refusing to do right by its customers and refund them their money claiming to have no recovery rights with XXXX even though JP Morgan Chase is an owner of XXXX. I immediately called the chase fraud department and deactivated XXXX less than 5 minutes after seeing the money be stolen. I Reported the fraud to Chase, I did everything they told me to do. I filed a police report, I went to the bank and changed my account numbers, I changed my username and passwords. I did everything they told me to do and on XX/XX/2022 they issued me a temporary credit and then on XX/XX/2022, they sent a letter saying they said I authorized being robbed of {$2000.00} and that they would be taking the money out of my account on XX/XX/2022 which they did and now the account is overdrawn by {$2000.00}. I was a loyal customer of Chase for almost 20 years and the way I was treated as the victim of a crime was atrocious. I have attached the dispute I submitted. I called to dispute the result of their investigation and was provided an address and fax line where I sent my dispute letter and backup documents and I never heard back from anyone. The specialist i spoke to said that they tried to recover the funds from XXXX but that XXXX " didn't want to '' so therefore, I, the customer suffer.
Product: Student loan

Our Parent direct plus loan is under auto pay every month and I try to add every month an additional payment religiously but I noticed that I get charge additional interest on the overpaymt rather than all going to principal. I calle d Navient and  got an answer because my overpymt have some lapsed on days so I get charge interest on it as well and was advised to schedule an additional payment on the same day that my auto pay is scheduled so all my overpaymt will go all towards principal. I checked this morning since my payment always hits at the  XXXX  of each month and there it is again they lump the full payment and charge interest on both auto  pay amt as well  as the overpymt that I scheduled and when I called th e cus  service keeps saying th at bec th ey pulled the overpayment 3 days after the scheduled date which in terms that is why I get chg additional interest so I can not win if I overpay before the sched auto pay date I get chg interest and if I sched just right date I get chg interest as well. I think this is a really bad accounting. My overpayment should just go to principal just like a mortgage why get chg additional interest when the accrued interest is already imbedded in the monthly auto pay amount they advised as the amount that needs to be paid monthly to be current on our loan?
Product: Credit reporting or other personal consumer reports

I got an alert late in the evening around XXXX XXXX. That there was a hard inquiry on my credit by them. They told me the system does those inquiries for banks to do credit checks. I told them I didnt recognize. They mentioned they were going to put it under observation. But now I know that does not exist. That means they will not take it off. Im really upset with something hurting my credit without my consent. I spoke to XXXX they told me that I just need a letter to show that I made a report with you. Then send it by mail to them so they can have report of this and take that inquiry with my consent off my credit report. Please help me get this letter from you so I can send to them
Product: Checking or savings account

Someone opened an account at Chase bank using my name. I don't and have never had an account with Chase Bank. I received a statement from them last week and told them about it, but they won't close the account unless I'm in person which I've not been able to do yet. XXXX  XXXX XXXX called me today and said the same thing had just been tried but they stopped it. Said the perpetrator is using XXXX to make transactions.
Product: Debt collection

In XX/XX/2021 I closed on a new home, then XXXX out of country in XXXX XXXX while in country, unaware that XXXX sent a bill that I was to pay a said amount by a stated deadline date. When I received the copy of the statement ( bill ) here in another country, it was passed the deadline date to pay. The XXXX has sent the debt to a law firm. The law firm added a XXXX fee to the amount, which left me to pay an outragious amount of moneu. I then called the law firm that received the debt and explained to them I'm in the XXXX, on an assignment and didn't receive my mail before the deadline date and could I pay the XXXX fee and try to seek help from XXXX here in country to help me resolve this matter. The firm secretary said, NO we will not accept nothing less than what you owe. 
She was very direct and rude. I then contacted XXXX in country and ask for assistance, to only be told to file the complaint here. I am a XXXX in the XXXX XXXX on a mission to sustain our country and could not get a break. Please someone help me. I'm a single parent with XXXX kids, XXXX adopted son trying to make an honest living and need a little help. 
With a bill over XXXX, it's undeniable too much for me to handle at this time. If you could please help, Please Help!!!
Product: Credit reporting or other personal consumer reports

1. Account name XXXX  Account number XXXXXXXXXXXXX
Date opened XXXX
Refinanced, closed.
Original balance XXXX  Phone number XXXX XXXX
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account name XXXX  Account number XXXX  Date opened 1XXXX  Paid, Closed/Never late.
Original balance $XXXX

3. Account name XXXX
Account number XXXX  Date opened XXXX  Refinanced, closed.
Original balance $XXXX
Product: Credit reporting or other personal consumer reports

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX and my wife XXXX have had the worst customer experience with WellsFargo regarding our home mortgage. We are a family of five ( plus XXXX kids ) have been WellsFargo customers for over 23 years and feel powerless in the loan modification refi process, compounded with threatening letters asking us to move forward with selling our only home. Our history with WellsFargo has been stellar, keeping high balances and never missing a mortgage payment. Our banking situation was directly impacted during the pandemic as I became sick with XXXX early, well before the vaccine or any medicinally approved testing protocols. We were transparent with our bank with our financial situation as I was/am the primary provider. After getting gravely sick and recovering twice, it was time for us to resume regular scheduled payments. The representative assigned to us named XXXX XXXX was unavailable and hundreds of calls went unanswered as her voicemail was full. It put my family through two years of fear. Until WellsFargo gave us an ultimatum to pay the outstanding balance or leave the house. They have ignored two written letters explaining that they had previously approved a loan modification. Without any assistance or power, we sadly agreed to liquidate my 401K in order to pay the nearly {$90000.00} cash. That doesnt factor the 40 % hit we took due to early withdrawal. WellsFargo had single-handedly destroyed our security. I beg you to please assist us in holding this bank accountable and help us find a fair middle ground on our mortgage. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked Transunion which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
XXXX is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Product: Credit reporting or other personal consumer reports

On or around XXXX I contacted XXXX XXXX XXXX after being denied for a home mortage loan for inaccurate late payment from XXXX XXXX XXXX even after are payment extention agreement please see XXXX XXXX in attachment
Product: Credit reporting 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. 

XXXX XXXX  ( Account # XXXX {$40000.00} ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX Account # XXXX {$1700.00} ) XXXX XXXXXXXX XXXX XXXXXXXX ( Account # XXXX {$750.00} ) XXXX XXXX XXXX  ( Account # XXXX {$390.00} ) XXXX XXXX XXXX XXXX  ( Account # XXXX {$910.00} ) Have 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. 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.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is my second complaint to XXXX, I was a victim of identity theft and theres a company named : ACIMA DIGITAL FKA SIMPLE reporting a charged off closed account under my name that was due to IdentityTheft, They asked me for a Police Report which i sent the same day and been more than XXXX weeks and still no answers from XXXX, Bellow i will attach the police report how they asked in the last complaint which shows them as the affected just like they asked
Product: Credit reporting or other personal consumer reports

I want TU to change their policy requiring an official copy of childen 's birth certificates in order to freeze their credit. It's meant to be free to freeze credit with the bureaus and this introduces additional costs and time required to prevent minors from becoming victims of identity theft. 

There is very little potential for abuse since the action merely freezes credit, denying access rather than granting it. This requirement is also more burdensome than the requirements from XXXX and XXXX which allow for regular copies of needed documents. 

All credit bureaus could benefit from making this an online process with secure document uploads to better reduce the risk of fraud given the current process requires mailing a full package of PII through the USPS.
Product: Credit reporting

TransUnion continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both TransUnion and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of XXXX XXXX, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.