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

XXXX.Transunion continuously reports inaccurate information to my consumer report. Transunion has changed my name to XXXX XXXX XXXX when my name is XXXX XXXX. If you look at the attachments you will see that they are the only Consumer Reporting Agency that is reporting my name this way. I have sent this reporting agency certified mail which had a copy of my Social security number, passport, and state ID. I called the company XX/XX/2022 to tell them hey your reporting my name WRONG AGAIN. And they told me to send in proof. I sent proof by certified mail on XX/XX/2022 usps return receipt number:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Transunion refused to correct my name even with this proof. This Consumer reporting agency is not handling my personal information correctly per the federal law. XXXXTransunion has also reported that I was XXXX days late on a payment with XXXX XXXX ( see attachment for date XX/XX/2022 ) which I was not and my score dropped again due to their inaccuracies. I sent them proof of payment and they corrected it ( see attachment XX/XX/2022 ). However my score remained the same. They dropped my score because of their inaccuracies. As you can see based on the dates of the report their negligence. This is a deformation to my character. 15 usc 1681 section 604 ( a ) section 2 it states consumer reporting agency can not furnish an account without my written instructions. Transunion violated the FCRA SECTION 623 AND REGULATION when they changed and reported my name as XXXX XXXX XXXX. UNDER. XXXX Obligations with respect to disclosures of personal information. states " that furnisher must not furnish inaccurate consumer information They broke that law In accordance with the fair credit act!
Product: Credit reporting

XXXX address ex wife XXXX ex wife name the only information related to me is XXXX Mi XXXX all other are not mine and should be removed they are related to an ex wife
Product: Debt collection

I have been dealing with identity theft/fraud for over a year now & credit bureus keep continually adding this others persons information on my credit reports their addresses phone numbers names & collections. I managed to get one taken off my cresit report that was not mine in XXXX and now there is another one names XXXXXXXX XXXX XXXX account that does not belong to me of the amount of {$5100.00} opened XX/XX/2022. I contacted the company and they said they dis not have anything with my social on their end. I then contacted transunion to get this disputed and taken off since it sown not belong to me & it is still not taken care of. They have been doing a bad job at helping me out with things as I said they continue to put another woman 's information on my credit report even her ssn was put on my credit report. My credit has been played with for months now & notbing is being done by these credit bureus I've made a police report with the XXXX already & they did nothing further. I've contacted irs.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON XXXX XXXX I NOTICED THAT XXXX XXXX XXXX HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT XXXX XXXX XXXX XXXX XXXXXXXX XXXX HE ADVISED ME TO FILE THIS REPORT.
Product: Checking or savings account

I would like to report inconsistencies with my account. I have been double charged it seems and funds go missing out of my account without any proof of the transaction. I have been charged overdraft fees twice and random deposits of money have been placed in my account multiple times
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I logged into PayPal.com to send my friend {$540.00}. PayPal removed {$540.00} from my bank account on XX/XX/2020 To date ( XX/XX/2020 ) PayPal has not dispersed the funds to my friend. It has responded to my queries with 1 ) Silence 2 ) Lies ( saying that my bank was holding it ). 

Transparency is important. 
Communication is important. 
Accountability is important. 

Take a moment to look at the XXXX reports on PayPal.com Take a moment to look at the social media feed on PayPal.com It routinely exploits and abuses American consumers. 

At this point, I will have to find another way to send my friend money. And a way to retrieve my original send from PayPal 's holdings.
Product: Student loan

I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.
Product: Debt collection

On XX/XX/2023, at XXXX XXXX, I received my first voicemail message from a representative stating, " Hi, this is XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. 

I called back the same day to request the physical mailing address for Wakefield and Associates so I could send a letter requesting debt verification. The representative with whom I spoke was unwilling or unable to assist with debt verification over the phone. 

Several times the representative was aggressive with me over the phone, attempting to confirm my personal details so he could move forward with their collection process. I asked what information they had on file about the supposed debt, and I was told that he wasn't able to provide that information without first verifying my identity and personal information. 

When I asked for their company 's mailing address, the representative was rude and dismissive. He also kept pushing me for my personal contact details even after I declined to provide that. After asking 3 times for their mailing address, I finally got this information : XXXX XXXX XXXX, XXXX, TN XXXX. 

I wrote a letter and sent it via certified mail with USPS on XX/XX/2023. The return certificate was delivered to me on/around XX/XX/XXXX. And it had a notation that the city was supposed to be XXXX, TN. So, not only was it difficult to get a physical mailing address, the representative I spoke with on XX/XX/XXXX provided incorrect information, resulting in a delivery delay. 

Since I mailed the letter on XX/XX/XXXX, I have not received ANYTHING in writing validating the supposed medical debt from Wakefield and Associates. Nor do I have any information as to how I ended up on their call list. 

I have received additional calls on the following dates asking me to call them back at XXXX : XXXX ) XX/XX/2023, at XXXX XXXX ; XXXX ) XX/XX/XXXX, around XXXX XXXX 

Wakefield and Associates ' continued harassment and lack of response are not only inappropriate, but it is also unwarranted since they are unable and unwilling to provide any verification of this supposed medical debt.
Product: Credit card

I opened 2 credit cards with Capital One less than two weeks apart around XXXX XXXX One is a rewards ' card. I purchased a new car and used the rewards ' card for {$1800.00} of the {$2500.00} down payment in XXXX XXXX. That was the only purchase with that card. The very next day Capital One declared fraud on the rewards ' card and froze use and access to it, but over the last 7 months has refused to explain how or why it suspects fraud, especially since both cards were opened using the EXACT same name, address and income info. I have been laughed at by XXXX. reps and required to resubmit the exact same docs both accounts were opened with, until after about XXXX times I stopped resending the docs. I am a XXXX female and believe XXXX. is blocking access to my credit and the XXXX rewards ' points I'm entitled to. For about 8 months I have made all payments on both cards in addition to additional payments but XXXX. has refused to explain why it suspects fraud and release my credit card and rewards ' points because I am a XXXX woman. I XXXX XXXX XXXX XXXX and XXXX. also demands that I provide a rental agreement or lease in addition to utilities ' statements. I lived in this XXXX  when I applied for and received the credit. The only thing that has changed is my last name. In XXXX I filed for a name change through the XXXX XXXX XXXX XXXX and received an Entry officially changing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX I, XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

Today, XX/XX/XXXX, I received a letter via USPS from a debt collection company demanding payment for a debt which was discharged in XXXX via chapter XXXX bankruptcy by the United States Bankruptcy Court for the XXXX District of Virginia, in XXXX, VA. 

This company is harassing me by fraudulently attempting to collect this debt. 

Here is the information for the offending company : Suburban Credit Corporation XXXX XXXX XXXX XXXX, VA XXXX The debt listed is tracked by their internal account number XXXX. 
It references a medical debt which was discharged on XX/XX/XXXX. 
The last 4 digits of the original account number were XXXX. 

The specific debt is referenced on the attached documentation for my chapter XXXX filing on page 20 of the PDF. It is listed in section 4.7 of Form 106E/F.
Product: Debt collection

XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX/bestbuy ( old account owner to charge off when at the time it was not a charge off just a transfer to new company bestbuy/cbna )  now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the XXXX/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. XXXX  is constantly down and not allowing reporting these errors and previous XXXX credit fixes stayed pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from XXXX XXXX, from XXXX XXXX Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and XXXX has not updated the reports to the credit bureaus. After attempting to contact XXXX, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and XXXX`s incompetency is preventing me from doing so.
Product: Debt collection

XXXX XXXX XXXX. Sued me for a past debt they purchased from XXXX XXXX. Before the suit I received a letter to dispute the debt. I did wright a letter but never heard back from them. I defaulted on the suit and called MIDLAND and agreed to a lump sum pay off and requested a letter I paid it off. I received a letter saying they agreed to accept the lump sum on or before the date the letter was written, I paid the amount they asked and never received anything after this. Seven months latter they sued me again for the same account I paid them off for this time a larger sum of money. I called them and they said if I paid it already to disregard the summons to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC keeps disrespecting the laws by reporting these following unauthorize and unrecognize inquiries on my credit report : 1.XXXX XXXX on XXXX XXXX. 
2.XXXX/XXXX  ( Bank ) 3.XXXX ( Bank ) XXXX ( bank ) . 
I did not authorize anyone anyone employed by these companies to make any inquiry and view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted by certified mail to XXXX, XXXX, and TransUnion ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX TransUnion Track # XXXX Experian Track # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named Amerifinancial recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. Amerifinancial never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX I submitted a complaint to the CFPB ( XXXX ) regarding my mortgage forbearance ending date being off by a month because of a collected payment in XX/XX/XXXX. I received a reply from Loan Depot ( attached ) stating that my forbearance would be extended to the end of XXXX. Since then, I have continued to be told by Loan Depot representatives that my forbearance ended in XXXX. I faxed the letter to their " research department '' as I was told, and never received a reply and clearly they never updated their system. If this is not fixed, Loan Depot will consider my XXXX payment as late, and it should not be because they agreed to extend the forbearance by a month.
Product: Debt collection

This complaint is about two companies. The first one is XXXX XXXX XXXX and the second one is American accounts in advisors located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are claiming that I owe them {$5100.00} I rented a vehicle from XXXX XXXX XXXX and was XXXX  by a semi truck. Semi truck driver was found at fault and his insurance company paid the damages. XXXX car rental claims that I owe an additional {$5100.00} due to depreciation value. First of all, no state allows for this to be claimed and second of all, I am not the financially responsible Party as I was not responsible for the accident. XXXX claim agreement says responsible insurance companies do not pay, but that is clearly not a legal thing to do. They could easily build the truck for {$5100.00} if they would like to, but instead, they are going after me. I asked them to take me to court because I know they will lose because this is not legal. They are refusing to take me to court because they know they will lose. The amount is more than a sufficient amount to warrant the court costs. They are trying to intimidate me into paying a debt not owed by damaging my credit with false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please investigate that every piece of information is correct. If not, please remove it from my credit report. This Information is not mine I have attached my police reports and a letter of closure from one of the consumers. I reported this to them immediately and they closed the account. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 15 U.S. C. 1681 602 A. States I have the right to privacy. 










XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( A ) ( 1 ) 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: Vehicle loan or lease

I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank account!
Product: Debt collection

XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and XXXX XXXX XXXX for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me. 












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Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA XXXX XXXX has relisted XXXX fraudulent inquiries.