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

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit card or prepaid card

I purchased an adaptor piece for a drain ( {$83.00} ) in my apartment that was the incorrect size. Since the part was a special order piece, it did not qualify for the store 's return policy to accept it back. As a result, I filed a claim with JPMorgan 's Card Benefit Services division under their return protection benefit. After filing the claim, I was instructed to ship the item to the benefit administrator, which I did ( my approximate cost {$18.00} ). After a couple of weeks, I logged in to see the status of the claim and it said " Resolved '' and " Closed. '' I called the 800 number for the benefits administrator and they advised that the claim was in fact still open and was being evaluated. Another week passed and the same occurred. Then I received a package in the mail with the adaptor piece sent back to me. I called in and was told that the claim was still " open '' and was " being evaluated. '' Then I received an email on XX/XX/20 that said I needed to call the benefits administrator for an update on my claim. I called today and was informed my claim was denied because it is excluded per their Terms and Conditions. The representative ( and Supervisor ) pointed me to their site ( https : //www.chase.com/card-benefits/benefit-details/Sapphire_Reserve/sapphire-return-protection-250 ) and specifically said the claim was denied because " Seasonal items and objects which are intended to become part of real estate such as garage doors and ceiling fans '' are excluded. Then they went on to say that " real estate '' includes anything you connect to your home, but in the same breath told me that refrigerators, washing machines, and small appliances are all ELIGIBLE COVERED products. This piece is not a capital improvement to my home, I paid sales tax on the item, and is something that will come with me when I leave the apartment ( had it been the right size part ). I feel that these terms are deceptive and are not reasonably understood to mean that my item is not eligible because it is considered " real estate. '' It has no resemblance to a ceiling fan or a garage door, per the terms and conditions. The supervisor ( XXXX ) informed me that there was nothing he could do. He also informed me that " upper management '' reviewed this claim and agreed that this item meets the exclusion criteria. Lastly, I was told that because the claim was denied, they would be willing to reimburse my shipping cost out to them, but I needed to provide a receipt showing my cost of shipping, for which I do not have. It doesnt seem reasonable for me to know, nor is this process anywhere published on their site or in the claims submission journey, that in the event of a declined claim, I could obtain a refund on my shipping costs and I should retain my receipt. The whole benefit feels like a scam, and has been a complete waste of time. At this point, I am out {$83.00} for the part, as well as another {$18.00} for shipping costs that are not reimbursable as I dont have the receipt for shipping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back. Don't you guys have 30 days to respond.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX and Experian, two of the three major credit reporting bureaus, for denying me access to my credit report despite my repeated requests. 

I have been trying to obtain a copy of my credit report from both bureaus, but they have refused, citing ongoing disputes the reason. I understand that disputes may need to be investigated, but I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) The FCRA explicitly grants me the right to obtain a copy of my credit report, and disputes should not be a reason to deny me access. I am concerned about the accuracy and completeness of my credit report, and I need to review it to ensure that it is up-to-date and reflects my credit history accurately. 

I request that the CFPB take immediate action to : XXXX. Investigate this matter and require XXXX and Experian to provide me with a copy of my credit report. 
XXXX. Ensure that both bureaus comply with the FCRA and do not deny consumers access to their credit reports due to ongoing disputes. 
XXXX. Take appropriate enforcement actions against XXXX XXXX Experian for violating my rights under the FCRA. 

Additional Information : My credit report is essential for me to monitor my financial health, apply for credit, and make informed financial decisions. 
I have tried to resolve this issue with both bureaus, but they have refused to provide me with a copy of my credit report. 
I believe this is a systemic issue, and other consumers may also be facing similar challenges. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon
Product: Mortgage

I applied for mortgage refinancing through XXXX XXXX XXXX XXXX and my application was transferred to XXXX and I was approved and my rate was locked on XX/XX/2021. After going through the underwriting process I was told that everything looks good and they ordered the appraisal on my behave and it came back and was accepted on XX/XX/2021. Everything looked good till then, when I got an mail from the loan officer that there is a lien on the property for the city of XXXX that needs to be paid off as part of the financing process. And that was never brought to my attention by them before ordering the appraisal and my understating is that lien is due upon selling the house not refinancing. And as I explained to her that I don't want to pay that off now and sounds like it cant be processed on the terms and amounts we agreed on, then I am asking them to reimburse me for the appraisal fees amount since it was never explained to me before ordering the appraisal otherwise I wound not proceed. And this is not the right way to do business and you should be responsible for your mistakes.
Product: Debt collection

This collection. Is taking more than 25 % of what i have left after taxes and deductions. My checks were approx XXXX after taxes and deductions its now XXXX? It has created an inability for me to afford to move in to a different dwelling when my current lease was up on the XXXX of XXXX, XXXX. Because of this undue hardship, I am now homeless. I wasn't notified by XXXX or by mail, I was notified by my hr department at work the intent to sue. And if you want to be honest both these cases are from medical visits that I was forced to go to the XXXX and left XXXX stating I could not afford to pay the bill and yet somehow was forced into receiving the XXXX even after I expressed my wish to not go to a XXXX XXXX XXXX XXXX  ( in both XXXX and XXXX. ) Admittedly I was XXXX to what I could legally do, and still am learning but this garnishment is making it impossible to find a place to live that I can afford especially since I have XXXX adults with me that don't have income. I'm XXXX  and it's all thanks to you garnishing my check and I wasn't notified that would happen until XXXX XXXX days. Before my check was deposited. I'm going to go ahead and file bankruptcy. There is nothing else I can do.
Product: Money transfer, virtual currency, or money service

I never authorized a digital wallet account, it was closed when I requested it to be however I was still being responsible for the charges thur XXXX. The XXXX account was also closed due to fraud because of the charges that were not recognized .Then this escalated up to Chase bank where the charges were applied. Which at this point in time could not be rectified because of covit shut downs. After many attempts thur faxes and emails during covit I was still being told that I was responsible for the charges. This problem is occurring on multiple chase cards from the same company, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed letters to XXXX, XXXX and TransUnion. Here is my tracking : XXXX : XXXX XXXX : XXXX TransUnion : XXXX I requested to have inaccurate and misspelled personal information deleted from my credit report. My federally protected consumer rights have been obviously violated plus this is a violation of the Privacy Act which states a consumer has the right to dispute and remove any inaccurate information on their credit report. Not only was my information affected by the XXXX data breach, I have included the correct spelling of my name, address, birthday and provided the correct SSN number as well. according to the Fair Credit Reporting Act and the following sections listed below, my federally protected rights as a consumer have been violated : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. [ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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

Upon checking my credit I have recognized there are fraudulent accounts on my report as well as inaccurate information.that has affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Made a request for a method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. That request was received by the credit bureaus in XX/XX/2021. To this date all I have gotten are letters stating that it is reporting accurately. There method or procedure used to get this conclusion were not disclosed. 

2.I would also like to opt out of a clause that the credit bureaus have which states that if you created an online account with them to view your credit report with them, then you can not file a lawsuit against them. I want the credit bureaus to opt me out of this clause please.
Product: Mortgage

My Bank started and Escrow account for me in XX/XX/XXXX, for home owners insurance {$1300.00} and Property Taxes for {$5000.00} totaling {$6400.00}. 

My mortgage payments were {$520.00} per month, my Bank is charging me {$1000.00} per month I have being paying every month and only missed 1 payment however to correct that problem I made 2 payments in one month.. 


I also told my Bank in XX/XX/XXXX that I wanted to reduce my payments to my original amount of {$520.00} and if they would please give me the amount that I can pay now so I can go back to my normal payment. 

I being asking several times and even faxed my request to the fax number they have for assistance on mortgage, they have not responded to me at all, I being asking every month the last 3 months on the phone when making my payments. 

Is like they don't want me to stop making those big payments, as far as I am concern that most be illegal from an institution like a XXXX XXXX. 

I would appreciate any help or advise from your group. 

Sincerely
Product: Credit card or prepaid card

I try to get help with a loan I stay with my parents and I myself needed a small loan to pay rent or if be evicted an the lady looked at me an I felt judged an she told me I can't help you an wouldn't even look at me to say it to my face .... I felt like reporting her an getting her information she also said you sure you can pay back the loan like if I can't an I felt she was discrimination me cause I'm XXXX and she was very rude
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have attached 3 FTC reports with collections and inquiries I did not authorize, please delete
Product: Debt collection

XX/XX/2015, I was admitted to an emergency department. I had insurance and most of the visit was fully covered. I am currently ( still ) being charged by the physician group at the hospital, saying I owe them money. I followed up with my insurance company, who said I was covered and the reason the physician group was not reimbursed was because they missed the 90 day period to file the claim. They strongly recommended I not pay the bill, as I was covered through my insurance. 

I followed up with the collection company ( XXXX ) several times ( both calls and written statements ) and even had my insurance company call them while I was on the phone to explain the situation, but they still are sending me bills. Recently, I have been getting phone calls and written statements from another company, Transworld Systems Inc, who say they are looking into my account, but only are using the bills as a reference for the account, not the several written statements between myself, my insurance company, and the original debt collector. 

I am at my wits end with this. I have been dealing with these charges for over a year now, taking time away from work to call the collectors, my insurance provider, and attempting to get in touch with the physician group ( XXXX XXXX XXXX, which has n't been possible ). I feel completely taken advantage of. I feel like these debt collectors are ignoring the communications from my insurance provider saying the fault and charges do not lie with me, they lie with my provider 's negligence when reporting the charges. Please help.
Product: Mortgage

We had a XXXX  for XXXX  months after coming off of that we were offered a loan modification we got the modification back both our payment was actually higher and our interest rate was higher so we decided not to go with the modification next thing we know we got an auction date put on our door we called with a housing counselor and the mortgage company who is loan care XXXX Lakeview loan management decided that they were in fact wrong and they canceled the sale of the home. The second time we actually were given paperwork that didn't belong to us so we sent it back called them and the foreclosure was put on hold next thing we know on XX/XX/XXXX we receive paperwork that our house was sold at an auction on XX/XX/XXXX back to our loan company Lakeview loan XXXX. They did send us paperwork through the mail that we had to sign for and that came in the mailbox but it was after the auction date XXXX days after the auction date to be exact we still have every envelope with the postmark date on it for proof. After we were given the opportunity for the loan modification we didn't agree with it cuz the payment was actually higher I feel we should have received more options but we got nothing except okay we're foreclosing on you and not XXXX time have they followed the the process the way they are supposed to they send us the legal documents about the foreclosure sale after the foreclosure each time
Product: Debt collection

Services at XXXX XXXX XXXX were not submitted by them to our insurance carrier, XXXX. These services were provided in XX/XX/XXXX. We never received billing for the services until a Final Notice was sent XX/XX/XXXX, almost 5 months after the service. Within two weeks we received a notice from a collections agency for the debt in the amount of {$360.00}. The Final Bill from the provider indicated our insurance had been billed when in fact this was not the case. The provider admitted they had not submitted to insurance but claimed it was now too late. We contacted XXXX  who indicated we could submit the claim directly which we did. According to XXXX they have paid the claim.
Product: Credit reporting or other personal consumer reports

Each time I apply for employment their background reporting agency is receiving incorrect information from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Ive disputed this information once with XXXX XXXX reporting agency and the information was corrected but only after I was denied employment. Now Ive applied to another job opportunity and the background reporting agency they use is called XXXX. The XXXX XXXX XXXX had reported my information incorrectly again. They are reporting information that was vacated from my background due to me winning an appeal through the XXXX XXXX XXXX XXXX. This is the second employment opportunity Ive lost due to this inaccuracy. Ive called the XXXX XXXX XXXX and XXXX  and they are aware of this but they continue to report it inaccurately.
Product: Credit card

My Chase credit card was closed in XXXX  due to economy. not because of missed payments. It was on my chase account online for many years. XXXX year disappeared from my bank account online. I had likely missed some payments when removed thinking it was paid off. No way to know. 

I received information in mail about account. I called and set up automatic payments because the account could not longer be accessed online. 

I have called to try to increase minimum payment to pay off sooner. No one from customer service could help me increase monthly payment. In addition i have now called to cancel automatic payments and i am transfered XXXX times because they cant find my account or verify my information. When it was finally verified the closed account department couldnt stop auto pay and transferred me to customer service again. The customer service started getting nasty with me because i keep calling and no one can help. 

They are stealing interest from me by doing this. I can not pay extra. I can not cancel my autopay.
Product: Debt collection

I have been disputing inaccuracies on my credit report with XXXX for over a year now. I know that they have not looked at my disputes and completed a thorough investigation because I've even sent letters highlighting reporting inaccuracies and they still failed to remove these accounts. They have had more than enough time to do their due diligence when it comes to these accounts. 

My first letter sent dates back to XX/XX/2021. Furthermore, I recently came across an article published by the CFPB that states that credit reporting agencies have inaccurately been tossing out consumer complaints. I just want my credit report fixed so I can move on with my life.
Product: Credit reporting or other personal consumer reports

I was sick and out of work for XXXX months I was late on the XXXX talked to Specialized Loan Servicing about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX XXXX expedited fee send SLS an email of guaranteed certified fees they tagged my credit of being 30 days late
Product: Credit reporting or other personal consumer reports

It seems to me that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you take a look at the documents, please? Some of the accounts listed are incorrect, and it's causing me discomfort.
Product: Debt collection

I have tryed to pay this debt when i found out about it. They called my wife and she told them to send her a bill and she would be happy to pay. And they replied that they had sent one several months back and it wasnt there responsible to send another one. So o went on line and tryed to pay it and it said ii need the case number of the statement that I recieved in the mail that i dont have. So im where we are now. Any help with this matter would be appreciated. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in the reporting of my account with your institution. My credit report shows a late payment on BARCLAYS BANK/OLD NAVY XXXX XXXX which is inaccurate. I have always made timely payments and have documentation to support this. It appears there was an error in recording the payment on your end. I kindly request that you rectify this error and update my credit report accordingly
Product: Mortgage

I am trying to save my house from foreclosure. I have applied for a modification but Mr Cooper has refused to send to the investor. They told me I have excessive obligations, which I do not. They also told me that they could not lower my payment. I am trying to avoid foreclosure, so if my payment goes up, that is ok. I am upset that Mr Cooper did not send to the investor for review and that I had to file a bankruptcy to avoid foreclosure.
Product: Checking or savings account

I opened a checking account with TDbank back in XX/XX/2019 and at the time TD was not charging international transaction fees and that's one reason I opened my account with them. XX/XX/XXXXthey charged me two fees XXXX for international transactions and another XXXX for what they consider international transaction. I called them to dispute it and they said they started charging in XX/XX/XXXX. I am prejudiced by lack of prior notice and was not afforded a chance to close my account before they start charging.