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

TransUnion [ TransUnion Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Credit Information and Violation of Consumer Rights Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report and to address violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have reviewed my TransUnion credit report and found the following item ( s ) to be incomplete and inaccurate : Item ( s ) in Dispute : XXXX  XXXX Account Number : XXXX XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These accounts have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 USC 1681e ( b ) : According to this section, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The inaccuracies and incomplete information present in my report indicate a failure to adhere to this requirement.

Violation of 15 USC 1681i ( a ) ( 5 ) : This section mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the change. The information in my report remains uncorrected despite being inaccurate and incomplete.

Violation of 15 USC 1681s-2 : This section prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The continued presence of these disputed accounts on my credit report demonstrates non-compliance with this provision.
Product: Mortgage

My mortgage loan is delinquent and I called in to Seterus, Inc to set up payments. I was informed by XXXX that they would not accept my payments. I told him that I am currently XXXX but wanted to keep my home and wanted to make the outstanding XXXX and XXXX payment. Even though we are still within the month of XXXX, XXXX would not accept my XXXX and XXXX payments, unless I also included the XXXX payment. I to him that he is forcing me into a foreclosure by not accepting my payment. He was very abusive and was using strong arm tactics to force me to set up an additional payment for XXXX. I asked was the conversation being recorded, because I wanted to have a record of this abusive behavior that Seterus is utilizing with people attempting to make their mortgage payments. They are forcing individuals into unnecessary foreclosures to keep their servicing record clean and receive additional fees from XXXX.
Product: Credit reporting

I filed a dispute with TrasnUnion contesting the fact that when I contacted the agency XXXX XXXX XXXX, they were unable to provide a financial statement spelling out how much I owe, the terms of payment, etc. I attempted to call directly the timeshare company, which is NOT the agency reporting, and was transferred to another collection agency, a different timeshare agency etc. Still nothing in writing explaining the reporting on only TransUnion account. I was told by TransUnion they are satisfied with XXXX 's electronic response of " the information is correct '' and they are satisfied closing the dispute. 
Am I not entitled to receive written information from the agency filing against me? There was no reporting since XX/XX/XXXX, and then XX/XX/XXXX states 120 days past due.
Product: Credit reporting or other personal consumer reports

I am putting transunion on notice to further my Claim that transunion is a aid to non public information being disclosed on my consumer report I have opted out of Creditors and I have opted out of transunion to remove and stop the reporting of Negative Accounts like : XXXX XXXX Account number XXXX Which transunion is reporting my transaction history and experiences history like when account opened how much Im paying a month how much credit Im using on the accounts the late payments on the account which in accordance to 15 us code 1681a ( I ) transaction history and experiences are excluded from Consumer report Transunion XXXX needs to either remove all late payments and utilization on account or remove account in total Same goes with : XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Reporting late payment on credit report. Shellpoint mortgage repost late payment on credit report. XX/XX/XXXX of 2023 and XX/XX/XXXX of XXXX.No action was taken they would not remove it. 

XXXX XXXX amount XXXX report late after stating that the loan can be push back.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Prepaid card

I put XXXX on every time I try to use the card to make purchases it declines
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 a collection account was added to my XXXX credit report. The collection company shows as Midwest Recovery Systems, the original creditor shows as XXXX XXXX XXXX. I do not recognize either of those companies and I have not received any information in writing from them regarding this account. It shows that it is a medical and it 's for {$1600.00}. I have no been to any doctor within the last six months so I have no idea where this is coming from. I tried contactics the company ( Midwest Recovery Systems ) by phone and was told they could not look it up by name and that they want my social security number. I refused to give them my social security number and they disconnected the line. So I sent a cease and desist email to Midwest Recovery Systems. They have responded again asking for my social security number. My address is correct on my credit report yet I have received nothing from them. I believe this account and company to be fraudulent. I want to have this removed from credit report. They have not proven this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!
Product: Checking or savings account

I requested for them to explain to me or to send me any information dealing with the closing of my account. I was told I would receive an Email and my Deposited funds would be returned back in the mail and it wasnt Im filing a complaint because its unfair how I have been treated and I need justice. 
I opened the account Wednesday XX/XX/XXXX at citizens bank located in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I haven't paid my mortgage when in fact they are holding two of my payments now in a " suspense '' status and charging me late fees. 

I paid XX/XX/XXXX and XX/XX/XXXX my XX/XX/XXXX and XX/XX/XXXX payments, but they have not posted them. 

My mortgage payment is usually {$780.00} and I always pay {$800.00}. This year they came up with a formula to include extra padding for escrow with a payment of {$810.00} and I told them I am not paying their extra buffer over and above {$800.00} when I have the option of paying any escrow shortage at the end of the year. They have been giving me trouble ever since and it is affecting my credit. I want them punished because what they are doing is wrong! They need to be fined per the Fair Credit Reporting Act for one!
Product: Credit reporting or other personal consumer reports

I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX XXXX XXXXit Per 15 USC 1681 please remove the following accounts below.

XXXX XXXX XXXX ( open ) XXXX XXXX Balance {$23000.00} care credit ( open ) XXXX XXXX  It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by XXXX, XXXX, XXXX This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXXXXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX  - XXXX XXXX Bal : {$790.00} XXXX XXXX XXXX XXXX XXXX Bal : {$450.00} Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I digitally transferred funds from my PNC checking account to another bank. The funds were credited to my account at the other bank but later returned to PNC because the other bank couldnt read the check. In the interim I closed my PNC account so there was no open account to receive the funds at PNC. Instead PNC stated ( on a recorded line ) that they would be mailing the check to me directly. They have not done so. It has been several weeks, and I have called them many times. Ive been told repeatedly that I needed to talk with somebody else or a different department, but nobody ever calls me back. I just want my money to be sent to me now. That shouldnt be too difficult.
Product: Mortgage

Hello CFPB People, A solicitation letter advertising a mortgage is confusing to me. I can not tell if they are promoting a fixed rate mortgage or an adjustable rate mortgage or even basic terms of repayment. What do you think? I will attempt to forward the letter to you. 
XXXX XXXX
Product: Mortgage

I sold my home and escrow wired a payoff to XXXX   via loancare. The wire was confirmed received on XX/XX/XXXX. On XX/XX/XXXX XXXX took out another mortgage payment from my checking account and then transferred my loan to another servicer, XXXX. I called XXXX to ask why was another payment taken out after my loan had been paid off the previous Friday. They said they only show the payment was received and that the loan was transferred. I then called my escrow company and they said the wire was not returned. I then called XXXX and they said they have no info of my loan to call back in 7 days. I am now missing $ XXXX approximately of my payoff monies, an additional {$1900.00} out of my checking account and my home is no longer in my name. I am sure RESPA requires XXXX to account for the monies that were wired to them on XX/XX/XXXX. XXXX refuses to provide me any info and simply tells me to call XXXX. No one knows where the $ XXXX went. I would believe this is in violation of RESPA law whereby servicers are required to account for all monies and be transparent.
Product: Credit reporting or other personal consumer reports

Lexis Nexis is the company that collects a lot of personal information about consumers. My name is XXXX XXXX XXXX DOB XX/XX/XXXX ) and I need to know what information they collect about me, specifically about my driving habits and then either sell it or provide this information as a packaged product to the insurance companies or other data brokers. 
I need Lexis Nexis to disclose and itemize all information they collect about me. I also need this company from selling or otherwise furnishing any of my information to any credit agencies or any insurance companies including auto insurance companies or data brokers who in turn sell this data. I do not and have not authorized their collection of my data. 

My name is XXXX XXXX email XXXX tel XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquires Personal loan ONEMAIN XX/XX/year> XX/XX/year> I did not authorize the above hard inquiries. 
Phone # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is  $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX   asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, Transunion, XX/XX/XXXXor XX/XX/XXXXto destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited Transunion 's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XX/XX/XXXXEST I called Transunion at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the Transunion can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I printed the attached most recent data from XXXX for my XXXX XXXX XXXX  ( XXXX  ) account which continues to inaccurately report my XXXX  account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX  maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my Experian report to this date continues to report my account as OPEN. For XXXX, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, XXXX and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/XXXX, I travelled to a First Tech Federal Credit Union retail branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The retail branch manager, XXXX XXXX, processed my payment for {$3100.00} in cash ( USD ) toward an auto loan. My payment brought the account balance to {$0.00}. 

XXXX XXXX provided a signed statement to detail the transaction and current balance. 

On the same day ( XXXX of XX/XX/XXXX ), I initiated disputes with all three credit reporting agencies : XXXX, XXXX and XXXX. Included with each dispute was a copy of XXXX XXXXXXXX XXXX written statement and a statement transaction to detail account transaction between the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

The statement transaction highlighted my payment of {$3100.00} on the XXXX of XX/XX/XXXX. 

XXXX and XXXX updated my credit information on or before the XXXX of XX/XX/XXXX ( approximately two business days later ). 

XXXX refuses to update my credit information, and as of the XXXX of XX/XX/XXXX claim to have verified the balance of the auto loan has not changed. 

This is the second complaint I have filed this year against XXXX for failing to perform the due diligence necessary to report accurate information.
Product: Credit reporting or other personal consumer reports

Experian has consistently inaccurately reported my XXXX student loans. The reporting of my XXXX student loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, Experian has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by Experian for my XXXX student loans are incorrect. 
IThe payment histories reported by Experian show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with Experian, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my credit reports are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint via the CFPB to formally dispute inaccurate information that have been reported on my credit file. During a recent discussion about credit files while on vacation, I became motivated to check the accuracy of my own credit report. To my surprise, I discovered several accounts containing invalid and incorrect information. I am seeking the Credit Bureaus ' assistance in investigating and rectifying these errors promptly. After reviewing my credit report from Equifax, I have identified the following discrepancies : XXXX XXXX XXXX Balance : {$0.00} - I have found that the details concerning XXXX are entirely inaccurate and have not been corrected as promised. It is essential that this false information is promptly removed from my credit report. Despite claims of late payments, I engaged consumer counseling services and entered a consolidation plan where timely payments were made on my behalf. Both the XXXX XXXX and I confirmed with XXXX that the payments were never overdue. XXXX acknowledged the errors and pledged to remove the account, but unfortunately, this has not been done. 
XXXX XXXX XXXX Balance : {$0.00} - I have discovered an error in the Credit Bureaus XXXX report concerning this account, as it contains inaccurate and invalid information that leads to false details being displayed on my credit report. Upon contacting the Credit Bureaus, I was instructed to complete an FTC form to address this issue, which I believe should be considered unlawful for it to appear on my credit report. Therefore, it is crucial that the erroneous information is promptly removed. I want to emphasize that I made payments as agreed for this account and maintained a consistently satisfactory payment history throughout its duration without any problems.