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

In XXXX, I was impacted by Hurricane Irma. My lender, Home Point Financial offered assistance by allowing me to defer payments on my mortgage for 3 months and then at the end of XXXX, allowed me to pursue a disaster modification. The disaster modification was finally completed in mid XXXX after many calls to confirm what was needed and ensure payments were made timely. Midway through XXXX, Home Point Financial also did some kind of reorganization which included changing their name. At one point in the 2nd quarter a mistake was made on all accounts going through a disaster modification ( this is per a representative I spoke too ) resulting in a lot of us being reported past due incorrectly ( we were in forbearance as the disaster modification was being processed and the forbearance was not taken into account during reporting ). I was told that credit reporting would be updated to reflect this is a mistake and took Home Point Financial at its word that it would be fixed. 

Fast forward to today, I noted a missed payment notification and traced it back to XX/XX/XXXX where apparently I was reported 60-89 days late despite being in forbearance during my disaster modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted trans-union various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and trans-union themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or grant any permission to these companies to run my credit. 

Hard Inquiries on Trans-union report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from XXXX report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Product: Mortgage

XXXX XXXX XXXX has breached XXXX remod loans the XXXX accepting my payments for 6 months on the XXXX then stating they had no record of my trial on file placing me in foreclosure I hired an attorney to later get another remod in place after my XXXX payment they did the same all payments were made in person at a XXXX XXXX XXXX branch on the XXXX payment the teller would not accept my payment stating the system showed a different amount due I showed my paperwork indicating my amount due I tried contacting them to be told in XX/XX/XXXX my loan was sold to another company I had to wait for a new loan number and contact package. When received was told I was in foreclosure I hired another attorney to help only now to be told the new company will not work with me and will lose my home of 22 years.
Product: Student loan

I have switched jobs due to a XXXX XXXX and am making significantly less money. My wages are currently being garnished lowering my income even further. I have tried to delay paying my loans because I honestly do not have the money to pay them, not because I do not want to pay. 

I spoke to two very aggressive employees who told me that I HAD to make a payment so I asked what should I not pay to pay them. They said that is not what they meant but I needed to make a payment. XXXX and XXXX both said to me that I should be looking for another job to help make my payments. XXXX said I should drive for XXXX or XXXX. I said I could barely afford my car insurance and driving for a for hire company would increase my personal car insurance. XXXX told me that was not true and I told her that I work in XXXX XXXX XXXX XXXX and I know that to be true, so she then launched into that I should go get a fast food job on the weekends. I told I have tried and that they won't hire me because I am over qualified. 
On top of all of this, Navient is currently calling me every 30 to 45 minutes. That is in direct violation of the FDCA subsection 806. I told them to stop and they said they could call me as much as they wanted as they are trying to collect a debt. This is harassment via constant phone calls and belittling me because I am unable to make payments at this time. 

Help!!!
Product: Credit reporting or other personal consumer reports

TransUnion Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ALL HARD INQUIRIES LISTED
Product: Checking or savings account

As an international scholarship student undertaking a XXXX XXXX in Education with XXXX XXXX XXXX, MD, and with the assistance of the University 's International Office, I opened an account with BB and T in XXXX, Maryland in XX/XX/XXXX. When Covid 19 happened, I returned to XXXX in XX/XX/XXXX and finished my XXXX online. 
Truist has taken over BB & T and I have been trying on a constant basis since XX/XX/XXXX to close this account with emails sent to various Truist staff members most of which went unanswered. XXXX XXXX replied to me on XX/XX/XXXX seeking " the branch where the account originated and he would seek the XXXX XXXX to begin the process ''. I replied to this email on XX/XX/XXXX providing the information sought but heard nothing. I also made an appointment online with XXXX XXXX Truist Branch to call me on XX/XX/XXXX but again no call was received. On XX/XX/XXXX, I made 4 different telephone calls to Truist XXXX XXXX XXXX XXXX with my initial conversations on the first 3 calls being terminated by Truist. On the 4th call, I had a long conversation with XXXX however I still have not been successful in getting my account closed and funds remitted to me. Additionally I sought a credit reference from her and this has not been provided either. I have pursued every avenue open to me from XXXX to contact Truist and get matters resolved. I obviously can not go to Maryland to do an in-person closure- all I want is to have my account closed, to have the monies remitted to me here in XXXX and to also have a credit reference provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to Experian, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to Experian XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.
Product: Mortgage

I am disputing XXXX XXXX explanation of the benefits of a Reverse Mortgage. She states that the loan served to pay off previous mortgages. The XXXX document XXXX is designed to be completed by the applicant with the LENDER 'S assistance. According to the document, the Mortgage Applied for was an FHA Traditional HECM. The FHA case XXXX. XXXX XXXX states the loan payment plan as a " LINE OF CREDIT. '' The lender case XXXX. XXXX indicates that the purpose of the loan was for " ADDITIONAL INCOME. '' XXXX XXXX should be made aware that bringing {$35000.00} asserts the opposite of any associated benefits of my reverse mortgage. If my intent was ADDITIONAL INCOME, then why would I be expected to bring XXXX to the closing? Unless, the predatory lender told me that the money was to go into escrow to be used as a line of credit to be disbursed as needed for property taxes. I 'm being foreclosed on due to non-payment of property taxes. Where 's the {$35000.00} line of credit that was supposed to ensure that I would n't lose my home. Obviously, it 's the reverse of the truth. Obviously it follows the same ongoing pattern of deception, coercion, and bullying an elderly woman into a mortgage that she did n't need and could n't afford. Wells Fargo made sure of my lack of ability to pay my taxes and insurance by illegally running a credit check and of course picking the bones dry by charging {$14.00} to conduct that credit check..
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX XXXXXXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received previous calls from Radius Global Solutions. I also received a letter a letter that they could not sue me because the debt was old. I decided on XX/XX/2024 to write a letter requesting validation. Not only was it validation but to end the calling but also a portion of what they were asking. XX/XX/2024 I received a call from an agent putting me through to manager. He was very rude demanding I pay est. of {$170.00}. And rudely asked me dont I remember riding to the hospital in an ambulance. I was unsure and asked if he saw me get in. I offered an amount for them to quit calling he preceded to argue about the amount. I asked him to DO NOT CAL ME AGAIN. He laughed and hung up.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : 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 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 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: Credit reporting

I disputed my former mortgage with XXXX XXXX XXXX through Transunion. XXXX responded. Originally it said I had XXXX 30 day lates and XXXX 60 day late. After the dispute Transunion reported 120 days or more. XXXX says they never told them that. They both advised me to dispute it with the other, but nobody will help me. I 'm about to apply for a new mortgage and this is going to be a big impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to them on XX/XX/2018. They received my letter on XX/XX/2018. They completed their investigation on XX/XX/2018 stating that they verified the information and it was certified accurate. I have proof from the courts and I have a security freeze on my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all 3 XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the information is in the documents, please take the time to read
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX This account was charged off on the following date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : NO data STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize these inquiries
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : TESLA FINANC - Date of Inquiry : XX/XX/year> - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.
Product: Mortgage

To CFPB : Hello, I am writing to you in regards to my Penny Mac FHA Mortgage that is reporting late for multiple moths in 2023.

In 2023, my Property Tax increased over {$1000.00} raising my payment and with the electric increase, I was in a bad position to make ends meet. We knew it be a short term issue as we were going to re consolidate some things. 

In may, I entered a Loan Modification with Penny Mac. During this modification, I was educated that I would have a separate loan. I was also educated that no payment was due during this time. Penny Mac issued me a packet to sign, in which I did however once they received it I did not get one page notarized. By the time this was recognized, my loan officer called and was re issuing a new packet. Once the new packet made it to me ( weeks after we started ) I was under contract to sell the house. I called Penny Mac and they said as long as my closing doesnt get moved ( XX/XX/XXXX ) I wont need to go into modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit alerts from Citibank keep appearing my XXXX  - XXXX account. The reason is mysterious and Citi refuses to provide useful information or any correction or removal. My inquiries and complaints by phone got nowhere ; both XXXX and Citi blame the other and neither knew what a " New Tradeline '' was. 

A postal letter to the department Citi advised ( attachment ~1 ) got a reply that essentially said " we're right, you're wrong, gripe all you like. '' ( Duplicate replies on XX/XX/XXXX [ attached ] and XX/XX/XXXX [ not attached as redundant ] ) ( attachment ~2 ) ./ A further inquiry asking for specific information got an irrelevant reply with no answers ( attachments ~3 and ~5 ). 

The attachments should be self explanatory. Please read in order of ~1, ~2, ... .. 

NOTE : The latest " New Tradeline '' in attachment ~6 appears to be my latest payment with the cents dropped, but the " Affected by natural or declared disaster '' is a mystery as applied to my area, but may apply to Citi 's offices. It's still a mystery why it would generate a " New Tradeline,  '' especially after the bill was paid.
Product: Credit reporting

Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
Product: Vehicle loan or lease

This girl from XXXX cashed a Navy Federal auto loan in my name for XXXX XXXX  and blocked me. her phone # is XXXX and her instagram name is XXXX She was suppose to help me find a car and she cashed the check and stole the money so now I have a XXXX XXXX  loan in my name and I have no car