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

HUD Title 1 Loan reporting on TransUnion and US Department of Housing reporting on XXXX has failed to remove this reporting from my credit report. The last payment was made in XXXX of XXXX the first delinquent payment was XXXX of XXXX  it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( TransUnion ) and US Department of Housing ( XXXX ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items.

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX XXXX  : XXXX SECURITY FREEZE
Product: Debt collection

Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!
Product: Credit reporting, credit repair services, or other personal consumer reports

^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX***
Product: Credit reporting or other personal consumer reports

I am currently a XXXX  veteran XXXX XXXX XXXX XXXX XXXX. I became aware of a debt XXXX XXXX XXXX XXXX for {$12000.00} that is not my debt. I sent in a dispute to XXXX and Experian and they sent a letter in return saying this account is verified. I asked the company to send me proof of debt and they did not. according to 15 USC 1681B. the credit bureaus are to report accurate information. in this case they did not. this has caused irreparable damages to my XXXX  career and this false negative collection. accounts must be removed asap for shame investigations by XXXX Experian and XXXX. remover the following collections from my credit profile now XXXX acct # XXXX {$3500.00} XXXX  acct # XXXX {$12000.00} XXXX  XXXX {$10000.00} remove this items now so my credit profile can report accurate information according to the fcra. The CFPB found XXXX violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that XXXX violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found XXXX harmed consumers by : Failing to thoroughly investigate consumer disputes : XXXX process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, XXXX also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after XXXX forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters XXXX sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. Putting previously deleted errors back on credit reports and failing to block identity- theft related information : XXXX did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, XXXX also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because XXXX failed to correct the information the first time, or because XXXX reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, XXXX reported credit information that it should have blocked because the information resulted from identity theft. Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in XXXX internal software caused the company to miscalculate and share inaccurate credit scores for several hundred thousand consumers. The company also reported the same credit accounts multiple times for more than 50,000 consumers.
Product: Mortgage

This is a short sale and we submitted an offer over appraised value but the investor will not accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received my XXXX XXXX XXXX with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX and on XX/XX/XXXX that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. Transunion has been inaccurately putting the wrong credit information. XXXX accurately reported it no XX/XX/XXXX. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Product: Credit card or prepaid card

Thank you for taking the time to review this complaint. I applied for and was approved for a Capital One credit card, received the card via mail and then Capital One refused to activate the card. For further background I am a long standing Capital One customer and am XXXX XXXX military XXXX XXXX XXXX with need for a card with no foreign transaction fees. The card application was approved on XXXX XXXX and the card was received several weeks later. I then spent the next three weeks going back and forth with Capital One trying to get the card activated. This included sending verification documents including proof of residence, Social Security card, drivers license. During my final discussion with the customer service representative and a supervisor XXXX XXXX they explained that they could not verify my documents and that the account would be permanently closed. No explanation was given with regards to why the documents could not be verified. I asked if other military members have had similar problems, but this was denied and no resources were given to work around this issue.
Product: Payday loan, title loan, or personal loan

I signed up for Ally Financing to purchase a XXXX XXXX XXXX conditioning unit through XXXX XXXX XXXX XXXX  in XXXX XXXX for my second home this past XXXX. My account number ends in XXXX. 

When I signed up, I agreed to an APR of 9.99 %. XXXX from XXXX took my application over the phone and confirmed this. However, when I received my bill in the mail from Ally the APR assessed was 14.99 %. Now, I dont know any reasonable person who would agree to this outrageous rate. That would mean, over the course of the ten year loan, I would end up paying back {$20000.00} for a {$10000.00} loan! Thats ridiculous and I would never have agreed to that rate. Further, I have excellent credit and own two homes, theres no way I wouldnt qualify for the 9.99 % rate XXXX at XXXX originally quoted me. 

I want to give this company the benefit of the doubt and assume this was a mistake, rather than fraud or a bait and switch. Im asking them to correct their error. If they reduce the APR to the originally promised 9.99 %, we will have no further issue. If they refuse, then Ill take the matter to small claims court. If thats not successful, XXXX can come and take the air conditioner unit back and refund Allys money in full, as far as Im concerned. What I know for sure is, XXXX quoted me 9.99 % over the phone and I will not pay one cent over that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed for Chapter XXXX Bankruptcy and again in XXXX. Any monies I owed to Navy Federal Credit Union was included in the XXXX Bankruptcy. More than 17 years later, Navy FCU still shows my name as having an outstanding debt. In addition, the financial institution uses it as a negative credit report when it comes to my ability to apply and re-establish my credit with them, I am denied. this has taken a serious toll on my overall credit rating. I have even tried to re-apply for a credit card recently and was denied because of a 20 year old debt. Any prior debts with Navy FCU should have wiped out completely in XXXX. 

According the NCUA Guidelines, this is a clear violation of my rights as consumer and my ability to obtain creditworthiness ; in addition, these acts has caused severe credit repair damage and financial hardships.
Product: Mortgage

Dear Mr/Ms, I'm writing to complain about the unusual hazard insurance fees bill problem. 
The reason : Since XX/XX/year>, my lender bank has been adding {$140.00} to my loan for hazard insurance fees. 
This misunderstanding was caused by the fact that I was out of the country when my loan bank sent me a letter asking me to update my property casualty insurance information. So I never saw the letter. 
It was not until I came back 4 months later that I saw a letter informing me that my hazard insurance had expired and asking me to update my hazard insurance information. 
I contacted the bank in time to inform them that the house I bought was cooperative and that the building had bought hazard insurance fees for our shareholders on time every year. I hope they stop collecting this fee immediately. 
In letters and phone calls, the bank told me not to worry. 
And promised that as long as I provided valid hazard insurance information, he would stop and refund me the money he had overcharged. 
The current situation is : My loan bank stopped charging this fee in XXXX of this year. ( I think the insurance information I provided is valid, otherwise they would not have stopped charging ) The bank charges 16 more months, {$140.00} more per month. A total of {$2200.00} ( {$400.00} has now been returned, and {$1800.00} remains unreturned ). 
However, the bank did not have any explanation. Tell me why I can't get a full refund. 
In order to recover the overcharged fee, I wrote to the bank again on XX/XX/XXXX, but the reply on XX/XX/XXXX was unrelated to my appeal. ( In the attachment ) I wrote to the bank again on XX/XX/XXXX, asking the bank to refund the overcharged fees as promised. And asked them, if they think my appeal is unreasonable, please explain the specific reasons. 
But so far there has been no response.
Product: Debt collection

I have tried disputing the account on my credit profile. I have no knowledge of opening an account with XXXX XXXX XXXX XXXX. I didnt authorize. I have asked this company to provide proof of signature and identification that I truly opened the account. The collection agency have yet to provide any of that information. It goes against my rights when it comes to reporting accurate information on a consumers credit profile. I ask that this be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 a 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 of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 My XXXX XXXX with Experian was excellent at XXXX, on XX/XX/2020 My XXXX XXXX with Experian went down XXXX POINTS to " good '' XXXX. I have repeatedly contacted Experian, they can not provide a reason for this discrepancy. 
I have NEVER BEEN LATE TO PAY ANYTHING. My scores with XXXX and XXXX remain Excellent in the mid XXXX 's. 
I keep getting requests from Experian to pay them for Experian XXXX, I refuse to have my credit report held XXXX for payment to increase my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting Company, Earlier this year (XX/XX/XXXX ), TransUnion Credit Reporting Company was reporting active Student Loan Accounts when they had been completely forgiven in XXXX. TransUnion, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) removed the amount owed; however, TransUnion kept the accounts ( with a XXXX balance ) on my TransUnion credit report. 

My student loans were forgiven and should have been completely deleted from my report not only zeroed out. Further, several of those student loans are from XXXX, which should be deleted from the credit report starting with XXXX XXXX ( XX/XX/XXXX ) through XXXX  XXXX XXXX ( XX/XX/XXXX ).
Product: Debt collection

I have been paying on an old installment loan debt that was with HBSC. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus states XXXX XXXX XXXX XXXX, Account Number XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2. The law clearly states the credit bears have 5 ] days to notify me from when they receive my disputes.

They also violated my rights under 5 USC 1681 Section 611 ( 6 ) ( a ) ( i ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting hall prompts delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- Back in XX/XX/XXXX ( yes, XX/XX/XXXX ), I bought a pack of guitar strings for {$3.00} from XXXX XXXX ( at that time a XXXX XXXX - XXXX XXXX card ). Around this same time, I switched addresses and in fact did not once ever receive a statement from this company about my very small purchase in XX/XX/XXXX ( not one statement ). Over the course of 5-6 years, this account grew into almost {$1000.00} in interest alone on 1 purchase : a pack of guitar strings. I ran my credit back in XX/XX/XXXX ( when I discovered this ) and contacted XXXX XXXX 's corporate office at that time ( XXXX ) and we came to an agreement. I would pay {$55.00}, the account would be closed, and this would not ( a promise that they made ) ..this would not even show up on my credit report. They also took a great deal of responsibility for this ordeal and it 's drastic impact on my credit. I also informed XXXX XXXX  that I have purchased 6-7 guitars from them over the years. But since then, they have no record of anything and neither does any bank associated with this horrific disaster. Since then, any credit card I have opened has had a very high interest rate and I was informed that it was due to the XXXX XXXX card in every instance. Recently, I almost was denied a personal loan and was told it was because of this XXXX XXXX card from XX/XX/XXXX! My personal loan as well has a higher rate ( 10 % in fact from a credit union ) ALL due to the negative impact from the XXXX XXXX card which I paid in full. Of course, I had some credit cards as well with high amounts but was informed the negative impact from the XXXX XXXX card is what determined the high % interest rate. I have contacted XXXX XXXX 4-5 times over the past few years and they basically tell me 'tough luck ' ( or I could phrase that another way as they are truly a despicable corporation ). 'We can not find your account, it does not exist '. 'We have switched from XXXX XXXX to Synchrony Bank . Please contact either of these banks to see if they can locate your past account '. NO BANK, NO COMPANY, absolutely no-one can even find me by my name, SSN, anything ... it is as if the account never existed. YET it is still on my credit as a negative when I was promised from day one that it would never even go on my credit. So now we are 14 years later ( XX/XX/XXXX ) and XXXX and XXXX reviewed my recent dispute. Their response was : 'looks like it 's going to stay on your credit! '. I love that no research was made by XXXX or XXXX and I was given a blank, computerized statement that sounds just like XXXX XXXX 's lame excuses. For the love of XXXX, I 'm really not asking much. I 'm asking for XXXX XXXX to be held liable for their lack of ethics, organization, and actions. My next step is legal action if this is not removed. I 've had enough of being taken advantage of ( primarily the extremely high interest rates from other banks due to this, not being eligible for a home loan, etc ... all due to this XXXX XXXX card from XXXX ).
Product: Checking or savings account

XX/XX/XXXX my husband sold equipment for the amount of XXXX $ at the time we had two separate accounts he transferred that money electronically to my account later we ended up combining both accounts. XX/XX/XXXX I noticed a error message showing on my online statement error message showing negative XXXX $ .I contacted Wells Fargo an stated that the person that initially deposited the cash amount of XXXX $ was a error and was deposited into the wrong account. My husband has proof of sale. Wells Fargo never contacted my husband or myself of this allegation the money was taking out of our account without authorization. Wells Fargo has neglected us as customers we feel violated and my husband identify has been compromised.Wells Fargo has  failed to identify what error took place or how And when the money was taken its been over 3 weeks and Wells Fargo can not give me an explanation on how this occurred..