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

Transunion 's site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system. 

What a joke. 

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from XXXX  that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX Veteran. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL
Product: Debt collection

I am a federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Mortgage

Well first off thank God we have the XXXX Many consumers and i have no nice way saying this but ar egetting XXXX by these large comonaies that think they cann walk all vover the consumer wrong I sued two large compnaies in Federal Court. It need to end here and for companys to take responsibility for their own mistakes  I will poest supporting eamils in here since they dont seem to upload through other complaint. My Loan now is being held up for weeks yes weekes because the last title company that did my loan titel did not do there job and left a lien on the house with another lender. This shoudl have been done by the titale company that was hired for XXXX dollers. Well they didnt do there Job so now Im stuclk hiring people to do it with my own money  which has caused problems in my life. I can pay my bills now and get my medication. And honestly been sick over this with my XXXX being in the high XXXX. They refuse to correct this mistake . I ask them over and over to please fix it they do not knwo what to do who to go to because they dropped the ball a year ago. So. now the bill just get larger. In talking with my atoturney  XXXX XXXX  XXXX XXXX the number 1 and number 2 mortgage lender sin the COuntry all agree the titele company that was hired by my mortage company should have fixed this and will not so they can pay me and the people I hired to clean this mess up. How sad you would do this to a client that did ahve trust in you . I understand u made a mistake wer ehuan however u refuse to fix it I have asked you seeral times  and i been running my XXXX off to get this clloan closed  but have a hold up because you never did proper title work on my previous loan shame on you, SHame on you.

 RE: XXXX - XXXX XXXX XXXX XXXX 


  Reply|
Thu XX/XX/XXXX, XXXX XXXX  
You 
You replied on XX/XX/XXXX XXXX XXXX.
XXXX XXXX,
 
Yes, the previous title company, that we do not have any affiliation with, made a mistake when drafting the title work.
 
Thank you,  
 

XXXX XXXX
Loan Assistant
Home Point Financial Corporation 
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX Ext: XXXX
Fax: (XXXX) XXXX 
Email: XXXX

I appreciate your help in getting this resolved.  The old title company has been giving us push back all week and hasnt been moving this along because they havent wanted to admit fault.
  

XXXX XXXX
Sales Manager
Home Point Financial Corporation 
NMLS: XXXX
Branch NMLS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Work Phone: (XXXX) XXXX 
Fax: XXXX 
Work Mobile: (XXXX) XXXX
Email: XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. Experian is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with Experian, XXXX and XXXX yet the incorrect information is still being reported. <P/>2 ) Experian is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> JPMCB CARD XXXX XXXX XXXX XXXX XXXX DE XXXX Subject : Dispute of Collection Dear JPMCB CARD I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within XXXX  days of receiving this letter. If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX SunTrust Bank received a wire transfer payment of {$160000.00} to the attention of our company. SunTrust never forwarded the funds to us but credited the funds to another partys bank account. SunTrust never contacted us, the sending bank or the payer about possible inconsistent wiring instructions. After multiple outreach by us, the payer and the payer 's bank, SunTrust confirmed on XX/XX/XXXX with us and the payer that it had the funds and SunTrust requested the payer to complete one additional form to return funds to it, which the payer did. On XX/XX/XXXX, SunTrust informed us the funds were not forthcoming and payer needed to ask its bank to contact SunTrust 's Fraud Divisions for the two banks to resolve. Since SunTrust staff and executives ( we sent letters to senior executives by XXXX with receipt required when lower staff did not respond ) have been aware of this complaint for months, it is ridiculous that SunTrust is now requiring payer bank to contact yet another SunTrust unit to investigate claim.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX XXXX XXXX ) Account has been closed since XX/XX/year>, and is still reporting on all the credit profile. They're also reporting XXXX missed payments which is totally inaccurate. This company continues to patronize me with sending " validation letters '' that do not account for XXXX missed payments. DO NOT CHOOSE XXXXXXXX XXXX XXXX
Product: Debt collection

During this past month, I've gotten a lot of phone calls from a debt collection agency for a debt that doesn't belong to me. I've asked them to provide me with any evidence of the debt with my signature on it, but that hasn't been provided to me thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit files from XXXX, XXXX  and Experian to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with XXXX, XXXX, and Transunion requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA XXXX. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX made a hard inquiry on my account with identifying information on XX/XX/2018. 
I contacted the customer service of XXXX XXXX XXXX XXXX immediately to inquire and on XX/XX/2018, I requested the information be removed since I have no prior business relationship with the firm or have not authorized this illegal inquiry or gave my consent to any other third party to act on my behalf. I was instructed to dispute with the credit reporting agency, Transunion. 
I contacted Transunion concerning this issue on XX/XX/2018 and today XX/XX/2018. I stated that the information on my credit report is inaccurate and requested a dispute be opened for the inquiry, however, I was shut down and told that the FCRA does not cover an inquiry even when it's unauthorized. 
I sent an email to XXXX XXXX XXXX and Transunion with an affidavit stating the inquiry was unauthorized and illegal and needs to be corrected.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Zelle took money out my account over 2000 dollars and they closed my Zelle account and now my checking with XXXX is overdraft and I did not send money through Zelle to that person. Zelle never sent me any information, nor do they want to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am submitting this CFPB Complaint to dispute and request the removal of the outdated accounts from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Balance : {$0.00} I wish to bring to the Credit Bureaus attention that these accounts are outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and the outdated accounts do not reflect my current creditworthiness. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. The FCRA also grants me the right to dispute any inaccurate or outdated information and request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Product: Debt collection

Collection Information Bureau is attempting to collect a debt I do not owe and harassing me at work and after hours.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

" I hereby declare that I am a victim of the XXXX data breach, which resulted in the compromise of my personal information. As a consequence, multiple accounts were fraudulently opened without my consent or authorization. ''
Product: Checking or savings account

Hello, I paid the remaining balance of my rent in the amount of XXXX like I do every month using my Capital One 360 checking account. But for some reason on today XX/XX/XXXX the balance was reversed without my permission making it as if I did not pay my rent leaving me in a very bad situation with my landlord. I contacted Capital One and they provided no reason as to why the payment was reversed other than a XXXX XXXX who works for Capital One did it. I need a very good explanation as to why this money was reversed and now I am having to pay again my rent which was already paid and having to explain to my landlord why my payment was reversed without my knowledge or my consent. I also need a letter stating that Capital One reversed this payment without my knowledge or my consent so I can do my best to avoid any late fees and eviction since I am going to have to pay more money due to Capital One error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything. 

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at the attached documents. I want the bureau to start the investigation on these accounts that I'm never late for but they're reporting me as late
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer.
Product: Debt collection

Lineberger Groggan Blair & Sampson LLC  XXXX XXXX  and XXXX XXXX XXXX I received a letter requesting payment for a {$540.00}. When I contacted the XXXX XXXX and requested reason and date of debt I was told That I would get the information after I gave them my credit card number. the letter dated XX/XX/XXXX said I had 30 days to pay or they would give it to CA State Franchise Tax Board. I checked the XXXX XXXX web site and it said no current case.
Product: Credit reporting or other personal consumer reports

Good day. I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my XXXX XXXX and preventing my credit applications from being approved.
Product: Debt collection

The debt this agency was initially trying to collect was already paid for by myself and the medical insurance company prior to going into debt collections. The debt was resolved with and paid directly to the Medical Practice. 

I have initiated several disputes to remove the collection from the credit reporting bureau. MG has marked the collection as paid when it is in fact not truly a collection or even one resolved by the collector. I continue to ask them to remove from the credit bureau to no avail. 

The latest dispute has been attached along with a reply which offers false information. A statement request has been submitted to my doctors office asking and can be provided upon this bureaus request.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT HARD INQUIRIES, UNKNOWN NAMES UNKNOWN EMPLOYERS UNKNOWN ADDRESSES UNKNOWN PHONE NUMBERS TO BE FURNISHED / REPORTING ON MY CONSUMER REPORT YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ON CONSUMERS REPORT PLEASE BE PROMPT IN YOUR DUTIES PLEASE DELETE IMMEDIATELY THX YOU IN THIS MATTER.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$4900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX