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

I am writing to file a complaint regarding the inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received any response from TransUnion regarding this matter. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address and rectify this issue. 
I would like to bring to your attention the following incorrect information on my credit report, along with the requested corrections : ( Account Not Mine Account Number : XXXX Company Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$200.00} Issue : This account does not belong to me, and I request that TransUnion removes it from my credit report. ) ( Account with Incorrect Late Payment Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. ) ( Account with Incorrect Late Payment Account Number : XXXX Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : There is a late payment reported on this account ; however, it is incorrect as the account was never late. I request that TransUnion corrects this inaccurate information on my credit report. )
Product: Checking or savings account

This is in regard to checking account # XXXX. On XX/XX/year>, I went into the branch and closed the account. The account was reopened without my knowledge or permission on XX/XX/year> and fees are continually being charged. I went into my local branch, address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX after I realized the account had been open ( the same branch I personally closed the account at ), they said there was absolutely nothing they could do and directed me to the XXXX number. The result of this was the fee reversed but the account remained open, against my wishes and new fees continue to be added. I even received a congratulations on my new account packet in the mail, weeks after I disputed this account being opened without my consent! This is fraud committed by Citizens similar to the fraud that XXXX XXXX committed. Fake accounts being opened without peoples consents. This is a very serious crime by a financial institution that MUST be addressed.
Product: Debt collection

XXXX XXXX Apartments in XXXX Mississippi added duplicate and previously paid amounts to a bill for my son 's lease bill. I am a guarantor on this account. when the incorrect charges were brought to the companies attention they assured me the charges would be fixed. They were not corrected with in the 72 hours they promised. 

After my son 's scheduled move out on the XXXX of XX/XX/2021, they refused to speak to us about the incorrect bill and said their debt collection service would contact us.
Product: Mortgage

About the XXXX of XXXX Lakeview Loan Servicing took money out of my account to pay my mortgage. First, my bill is due between the XXXX and the XXXX of every month and I usually pay by check. I tried to resolve this issue with a representative of the organization ( Ms. XXXX XXXX ). Second, Ms. XXXX XXXX said I needed to call a number to get this situation resolved. I did not have any time to call the number because I am taking care of my mother who is sick in Florida. Third, A representative said they called my house number but they couldn't find my cell number. This is the same number this organization was contacting me when they wanted my business. Fourth, a representative closed my claimant without resolving the issue. Fifth, Ms. XXXX XXXX said in the beginning of her email, dated XXXX at XXXX XXXX " Of course you can Mr. XXXX ''. This was in reference to me saying I will file a complaint. ( In my opinion this was her way of saying so what. I am going to do whatever I want and your complaints do not impact me. ) Instead of her saying let 's try to resolve this to protect her company. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score.  I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.
Product: Credit reporting or other personal consumer reports

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXX XXXX Date of Enrollment in COVID-19 Recovery Modification : XX/XX/year> What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX on XX/XX/year>. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to XXXX, XXXX, and TransUnion, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX  to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this : - Also they have violated my rights even more.

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal.

They also violated the law because according to 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 writtan instructions. 

I did not give anybody writtan instructions.
Product: Student loan

Filed Complaint Case-XXXX on XX/XX/XXXX with the Omsbudmen. Got an email from XXXX saying Bass & Associates mailed a response XX/XX/XXXX. I waited for it and it was never received. I emailed XXXX to request a copy on XX/XX/XXXX. Emails to Bass are not returned. Phone calls never connect after an hour of holding. They have my contact information and have never contacted me. Even if they did, I would not be able to get through to them. And this complaint was marked as resolved. It is not resolved. It has been 6 months.
Product: Mortgage

We have been responsible homeowners since XX/XX/XXXX, owning our first home and selling it in XX/XX/XXXX with proceeds of {$25000.00} applied to your second home which we currently own. When the Great Recession hit, we kept our jobs and continued to pay on the house. We had an 80/20 mortgage, with the first ( $ XXXX ) handled by XXXX and the second ( $ XXXX ) for a total of $ XXXX by XXXX XXXX XXXX in XXXX. Our loan was temporarily lost by XXXX then rediscovered during the financial crisis. 

We received a modification by XXXX. We continued to pay XXXX all along. Both loans were eventually sold to Shellpoint. 

We paid both regularly until XX/XX/XXXXwhen I was laid off from my job after 13 years, after having to train my XXXX year old co-worker in. We continued to pay despite the financial hardship and Shellpoint worked with us. In XX/XX/XXXX, Shellpoint granted us a modification of {$210.00} which we thought included both loans and gave no indication otherwise. We accepted although our payment was increased to cover missed payments, therefore making things even harder. 

In XX/XX/XXXXwe decided to sell and move as homeownership was deemed too unfair and granted no reward for trying to do the right thing. The market in our neighborhood was on the high upswing and our house went from being under water during the recession ( valued at {$140.00} ) to {$260.00} or more in XX/XX/XXXX. All other houses and owners were getting proceeds from sale. On the day of the closing ( XX/XX/XXXX ), the realty company ( XXXX XXXX ) told us we were underwater plus owed Shellpoint {$11.00}. Shellpoints payoff required $ XXXX on the primary loan including $ XXXX in fees and deferred principle, plus $ XXXX on the second loan, requiring total payback of $ XXXX. This is far in excess of what we purchased the property for initially for in XX/XX/XXXX,  and absent of any equity in 13 years living in the property! Moreover, at the time of sale, our first mortgage, which had been paid down to $ XXXX had $ XXXX of principle added to it by Shellpoint during the modification, unbeknownst to us, while the second loan was at about $ XXXX after 12 years of steady payment i.e. no reduction at all. We decided not to sell as this seemed an egregious act of deception and mortgage manipulation as well as placing homeowner at a complete disadvantage financially. We have been under a forbearance by Shellpoint until XX/XX/XXXX. This is an intolerable situation and manipluation of homeowners. Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX Long Beach XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports.

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms.

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX  documentation to the consumer. 
Please send me notification of the actions taken. 
2 of 5 I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.
Product: Credit reporting

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, Equifax , XXXX & XXXX, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. Equifax & XXXX continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( Addendum XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that Equifax & XXXX also delete this negative information from my files, as well. Sincerely, XXXX
Product: Bank account or service

Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.
Product: Debt collection

The company Portfolio recovery calls multiple times every day 7 days a week.

This is harassment and a misdemeanor in my state.

I don't even have ANY debt in collections, they are calling for someone else. 
I once told them and they said they'd take my phone number off ( that was years ago ) and the scum company continue to call me daily!! 
I want it stopped.I plan to file a complaint with the PA AG office and possibly file a civil tort too!!! 
I am a XXXX  citizen.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to
ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I responded to an online ad to get a personal loan from XXXX XXXX in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. XXXX XXXX  should a credit score from TransUnion of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from Transunion ''. 

My Transunion credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech. 
I asked XXXX XXXX CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. XXXX XXXX CSR choose not to answer. 

XXXX XXXX representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan. 

After the denial of the loan, I asked XXXX XXXX CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested XXXX XXXX to remove and delete my private information they refused. I am now forced to close my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.