23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Refusal to Accept Identity Theft Affidavit and Incorrect Reporting Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their refusal to accept my identity theft affidavit and their continued reporting of incorrect information on my credit report. 

I submitted an identity theft affidavit, which I obtained from the Federal Trade Commission ( FTC ) website, to TransUnion. This affidavit was provided alongside additional supporting documentation to demonstrate that the information in question on my credit report was the result of identity theft. 

Despite my efforts, TransUnion has refused to accept the affidavit, claiming it is invalid. This refusal is both troubling and unjustified, as the affidavit is a standard document issued by the FTC and should be widely accepted as proof of identity theft. Moreover, TransUnion continues to report incorrect information on my credit report, which is causing significant harm to my credit standing and overall financial wellbeing. 

I have tried to resolve this matter directly with TransUnion, but they have been uncooperative. I believe this refusal violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in addressing this issue. 

I respectfully request that the CFPB intervene in this matter to ensure that TransUnion : XXXX. Accepts the FTC identity theft affidavit as valid documentation. 
XXXX. Corrects the inaccurate information on my credit report in a timely manner. 
XXXX. Provides a clear explanation for their refusal to accept the affidavit. 

Please find attached copies of my correspondence with TransUnion, the FTC identity theft affidavit, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit card or prepaid card

I'm XXXX yr old rXXXX XXXX  and my husband is XXXX yrs old, retired and depend on his social security pension.We both have a credit card together with bank of America since XXXX.Then last XX/XX/22 he had a call from Bank of America saying that our credit was cancelled and he went on line and saw that our credit card was not cancelled instead was charged with {$9800.00} to an XXXX  XXXX CA and another charge of same outfit same hour, same day of $ XXXX.So my husband called Bank of America but not able to get hold of them immediately so same hour we went to Bank of America branch in XXXX XXXX TX to ask for their advice. All they could help us was, using their phone was to dial Bank of America fraud division and waited for someone to answer and after 27 minutes we talked to someone and told them the fraud charges done to our credit card and told us that it is not my husband nor I, we do not waste this large sum of money for an XXXX XXXX.It 's a fraud charge and told that person its not us and to please not to pay cause it is not us.The person whom we spoke with said they will investigate the charges.I was praying and waiting for the investigation and hoping the charge will go, but came XXXX XXXX I received a letter that $ XXXX was charged and so I called back the Bank of America fraud division to tell them that why they pay them and got charged with {$16000.00} + amount.They did not listen to our voices my husband and I that it is a fraud charge and it made me so angry and frustrated they send us another credit card but I freeze my credit card and also freeze 3 major Credit reporting XXXX XXXX XXXX and XXXX.Last time I spoke to Bank of America fraud unit, that they re-opened the investigation. I told them why they did not send an alert on my phone cause I am the primary card holder, where in before they send text message in my phone when I gas up in my car in a different gas station, I did not receive any alert messages on this $ XXXX charge, what is going with Bank of America.We had a police report and faxed it to Bank of America fraud division.PleasXXXX it is much appreciated that you all heard my bad situation we are in.I can not retire with this large amount of debt burden.Please help us.Thank you.
Product: Mortgage

I closed on XXXX on a purchase. Unfortunately the title company never updated their closing disclosure to show that the loan had no escrows. However, after closing they did send a corrected post closing closing disclosure. XXXX XXXX XXXX  had my mortgage for the money of XXXX and their mortgage statement was correct but when XXXX XXXX bought the loan, NewRez took over servicing and are enforcing escrows on the loan. I asked why this is and they are telling me that the ticket hasnt been generated yet and that they will get back to me on XXXX  ( when they are closed ). I do not want to pay the late fee for their mistake and do not want to wait any longer to get this resolved. I feel discriminated against because I am a female. Clearly someone didnt read their package and I expect this resolved immediately.
Product: Credit card

I have tried to contact Capital One regarding several accounts that I have them. My job hours have been drastically reduced and I really need to request a lower interest. I need it lowered to 5 % to make it fit with my current budget.
Product: Checking or savings account

On XX/XX/XXXX my USAA Savings account was overdrawn for a " Check Adjustment Debit '' in the amount of {$840.00}. 

Was informed the disputed deposit is for a check deposited back in XXXX of XXXX almost a year and half ago. 

Reached out to USAA for clearer clarification on the disputed transaction and asked for any kind of help for it to be resolved in my favor as I'm not clear on exactly what happened and who the disputing party is. I'm unable to go back to my online deposit history that far back. Had been receiving almost daily phone calls to get the account to normal status even though it had just occurred at a very inconvenient time. Informed them I planned on filing a complaint and the aggressive calling ceased.
Product: Payday loan, title loan, or personal loan

I had contacte d Cash Call in order to shop rates for a consumer loan. I did not give them any of my personal information. The  purpose of my call was to only get an idea of what their rates would be in response to their advertising. I spoke with a customer service representative on  XXXX / XXXX /   17  to discuss the possibility of getting a loan with them. The call was for the purpose of discussing rates and terms. After he told me how much the rates were, I decided not to go forward. Again, I did not give them any of my personal information. It is my belief that they " skimmed '' my information from other companies that I had completed an application with. When I called Cash Call to discuss with them that I was upset they had run my credit without my permission, they said that I did give them permission. That is completely false. The dates do not match up either. My credit report shows it was pulled on  XXXX / XXXX / 17  and the customer service rep said it was pulled  XXXX / XXXX / 17 . I have the email that shows when the credit report was pulled. Also, when I asked to speak with a supervisor, they  said one was not available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau Subject : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Account number XXXX. I have disputed this account with Equifax confirmation number XXXX as Fraud and provided Equifax with a copy of my Police Report. Equifax had not removed this this fraudulent account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/2018 a public record was removed from my credit report as the result of a dispute I filed. I contacted the company which a representative stated the public record was removed and I would receive a new credit report. Within the same week I received an alert from my credit monitoring Agency that the public record was added again. I contacted the company directly, submitted another dispute and the company stated this never happened. The fcra states that the credit reporting agency has 10 days to notify me of any additions of removals from my credit report. That was not done by the company.
Product: Mortgage

This all started with Lakeview did not pay my property taxes on time ( as required from my escrow ) and I received a foreclosure notice from the county. I contacted Lakeview and they finally paid the taxes late on XXXX. Due to their error- my monthly mortgage payment went from {$1400.00} ( important to note for later that my interest rate was only 2.99 % ) to {$1700.00}. Unable to pay that amount at the time- I entered into a 6 month forbearance agreement in XXXX of XXXX. 
I was approved for a loan modification XX/XX/XXXX after my forbearance ended that made my payment {$1300.00} and increased my interest rate from 2.99 % to 3.125 %. This was fine because it accounted for the 6 months of payments I did not make on forbearance. 
XXXX : Lakeview mailed the 3.125 % modification documents to sign and notarize dated XXXX however I could not because the documents still listed my ex 's name on them and also requested his signature. EVEN THOUGH THERE WAS A FOOTNOTE LISTING THE DATE I ASSUMED THE DEED XXXX. I reached out to Lakeview and they apologized and said no worries they'd express mail a corrected copy. 

XXXX : Received a modification package that was NOT corrected. Still listed my ex 's name. Instead it increased the interest rate to 4.125 %. Reached out to Lakeview again. They apologized again and accepted fault and said not to worry a correct package would be on the way immediately. I still went ahead and made the proposed loan modification mortgage payment that was due. 

I e-mailed and called weekly if not daily to get this resolved as it was affecting my life afraid of losing my home due to no my fault of my own. I was passed around to so many different departments and managers. Told I'd be called and wasn't. I received forclosure and deliquency notices the whole time. Absolutely frustrating and terrifying. 

XXXX I received a corrected modification package with solely my name. This time the rate increased to 5.125 %. I called about the rate increase and was told by several different agents that they couldn't do anything about it. Out of options and afraid of losing my home- I signed and it's the current mortgage rate I have. 

I went from a 2.99 % interest rate to a 5.25 % rate due to Lakeview 's carreless errors. They failed to pay my property taxes and I was penalized. They failed to produce corrected documents and I was penalized. My mortgage payment now is more than I can handle and it's been a huge burden. I didn't realize there was a way to report Lakeview/Loancare until I did stumbled upon a link online with a person who had gone through something similair and got results from CFPB. 

I have included all supporting documentation. Including- proof my property taxes were paid late by Lakeview , e-mails to Lakeview about incorrect modification packages, the modification packages with my exe 's name while also showing the deed was only in my name, etc etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter in XXXX and also called the company, To remove information that was not mine, nor did i want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, i have the right to privacy. Also according to 15 USC 6802, No financial institution is not allowed to share my information with third party people These are clear violations of my federally protected consumer rights
Product: Student loan

Mohela the provider of my federal loan is a company NOT A PERSON and is breaking the law and causing harm to consumers like me. They should not be allowed to continue their illegal activities that harm so many struggling people.
Product: Debt collection

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$58.00} from back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 and XX/XX/2021 I sent dispute to validate debt and to remove unauthorized information off my report according to the federal law which protects my consumer rights title 15 United State Code 1681 ( a ) ( 2 ) exclude any Transactions from me and any person shall not be on consumer report.I just sent another dispute with a affidavit of truth and facts, Intent to sue for disregarding the law through Certified mail on XX/XX/2021
Product: Vehicle loan or lease

They changed me double interest in one of my car payments and refused to give me money back or put in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved.

Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me XXXX XXXX due to my credit being damaged due to their negligence.
Product: Debt collection

My credit report is showing a collection from Caine Weiner Company account number XXXX. I never received written notification about this debt, which made it impossible to dispute on my behalf. I am requesting debt validation, 15 U.S. code 1692 ( g ) in this debt validation should be a detailed list of history of payments made by me on this account, I want to know has there been any insurance claim filed on this account, the original contract between myself and the creditor with my signature on it guaranteeing that I pay this debt, I want to see proof that you have a chain of title to collect on this debt. This collection is also beinf reported as paid off with a {$0.00} balance but yet is in collections please remove this inaccurate account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  please let XXXX  and Transunion stop reporting fake information. I do not know this account and its not mine. It is a fraud, thank you for understanding and I hope u will remove it soon after investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with XXXX. XXXX Our account number is XXXX. ) InXX/XX/XXXX, XXXX began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with Experian on XX/XX/XXXX. On XX/XX/XXXXI received a response that my dispute was denied by XXXX because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX I submitted a new dispute, directly with XXXX for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from XXXX dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Product: Mortgage

XX/XX/XXXX ( phone call ) -I was told there was a $ XXXX contingency and there was none.

XXXX ( email ) -I reported the concerns of unlicensed contractors during our build, and they washed their hands of it. 

Builder sought over $ XXXX at reconciliation ; claiming he wasnt paid for the land, and I owed him $ XXXX out of pocket. Many of these discrepancies werent rectified until I provided the accounting showing the inaccuracies, receipts payable, and credits not disclosed. 

The contract states, " Your contract contains a provision that all change orders were to be paid at the time of the change order signing. '' This was done with proof of record. If not, or the funds weren't available, Bell Bank should not have released the funds for such. Therefore, giving me ( the borrower ) the option to pay the builder out of pocket or not approve the change order. 

I did not receive inspection reports until I asked for them at final reconciliation.
Product: Checking or savings account

On XX/XX/2023 I purchased from XXXX XXXX located at XXXX XXXX XXXX XXXX a pair of LED lights for my car. I paid {$210.00} which includes the installation. ( invoice # XXXX paid with my debit card transaction # XXXX ). 
At that moment I was told that I have to wait XXXX days since they had to order the lights and it was ok for me. 
The next week I called at different days asking for the lights and they always said no yet and that they will call me.. 
After a week they never called I decided to go personally to store the following week and after ask they said that they have the lights but they don't have installer. At that point I asked for refund, and they did no wanted. I left from store and after that they never called me again. 

I submit a claim to my bank ( Bank of America ) Claim ID : XXXX disputing this transaction since I never received a service or a product from this vendor and they never contacted me. 
I am still waiting an answer.
Product: Payday loan

Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.
Product: Credit card or prepaid card

I applied for the XXXX XXXX credit card offered when I was making a reservation at a XXXX XXXX. The offer promised a {$50.00} credit on my statement and XXXX XXXX XXXX points provided I used the card to charge {$750.00} in the first three months after it was approved. The card was approved on XX/XX/XXXX. I put {$760.00} in charges on the card by XX/XX/XXXX ( which is the net after a credit of XXXX ) and I have paid all the bills on time. 

I am attaching screen shots of the offer, a copy of the approval e-mail, and a record of the charges I applied to the card. 

The credit and XXXX points should have been available to me within 6-8 weeks, but they did not show up. I called American Express on XX/XX/XXXX and they opened a case to review my request. I contacted them after two full weeks and was told it was still not reviewed. I contacted them today via an online chat session and was told the case is still open and it could take up to 2 billing cycles. 

I think their responsiveness given the promises made in the online offer is terrible. There is no direct feedback provided by them. I have to contact them whenever I want more information and so far all they can tell me is that it is still under review. 

I think the circumstances show pretty clearly that I lived up to the terms of their offer, but they have not fulfilled the offer.
Product: Credit card or prepaid card

On XX/XX/22 I let the credit card issuer, Monroe and Main, know that I was a victim of a fraudulent account. I reported this via email through their website. I have never heard of this company prior. I deny opening any account, receiving a credit card or receiving any product. They also have my maiden name in the address area which I do not use. A charge was issued on XX/XX/22 in the amount of {$140.00}. I am waiting to hear back from this company. Can you help me with this identity theft? Thank you!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items :