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

Freedom Mortgage is the company I am filing the complaint about. I was going to Refi with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt Refiing. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. Freedom charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then Freedom made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX   and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a Refi loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.
Product: Credit card or prepaid card

I have been getting charged for a card security program greater than 10 % of the entire balance charged. I never authorized this optional program. I told the representative months back when I called to remove me, now when I call back the representative says I had to call within 90 days. The salesman at Discoint Tire tried to deceptively add warranties I didnt want and now I got this program added somehow. Very disappointed by this experience, feel very abused by Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters requesting corrective action. The last letter TransUnion informed me that they have no obligation to further investigate my claim. My claim is that they clearly violated the law and I am now seeking {$5000.00} in damages. 

Letter After reviewing my credit report, I noticed that there is a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If TransUnion can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 


XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
You, TransUnion, ARE BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 
Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 


You, TransUnion and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking no less than {$5000.00} in damages for, but not limited to : XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the fair Credit reporting Act and Consumer Financial Protection Bureau.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I submitted a online loan application to XXXX XXXX XXXX for the minimum per website advertisement amount of {$160.00}. 
When I got the approval call, I was told a starter/credit build amount of {$50.00} was approved. 
I called back todayXX/XX/2020, after reapplying online for the remaining {$110.00} to ask if their system reflected that I'm a previous customer in good status and if my approval could now be increased to {$110.00} more which would've matched their lending minimal guidelines per their website and owe {$160.00} instead of {$50.00} that I'm paying onXX/XX/2020 and was told " NO ''.
Product: Debt collection

Hi CFPB, My name is XXXX XXXX XXXX, I check my credit report every couple of weeks Here 's the problems that hasn't been corrected since XXXX of XXXX, I contacted this creditors / companies by phone, Number 1. XXXX XXXX XXXX XXXX has made an inquiry on my credit report several months ago back in XXXX, which I spoke to the secretary of the dealership, at which time I explained to her that I didn't request for any information on purchasing a new car from them, nor did I fill out a credit application, nor have I ever been to the dealership, which was to relay this information to the top management there to remove this entry from my report to this date XX/XX/XXXX the entry hasn't been removed. 

Now for complaint number 2. I have disputed this collection amount of {$1300.00} that was place on my credit report a few years ago that isn't mine, nor do I know anything about, XXXX  XXXX XXXX, who has place this in collection with Merchant Credit Guide base in XXXX Il, located at XXXX XXXX XXXX XXXX XXXX XXXX, I have ask both the collection agency and the credit bureaus to remove this entry for it's not mine, I didn't required any emergency services until XX/XX/XXXX when I had XXXX XXXX at that time, which I was driven to the XXXX Hospital located in XXXX Illinois 25 minutes from my resident. Which I had XXXX XXXX XXXX XXXX XXXX XXXX, and still do as to this day. I file for a chapter XXXX back in XXXX of XXXX, which included all medical bills, as well as miscellaneous creditors. These items should be removed and my credit report with all reporting credit bureau should be update to reflex the changes. Along with the removal of several unknown reported entries, XXXX XXXX in XXXX XXXX CA, XXXX  XXXX base in XXXX XXXX NJ, XXXX XXXX no information for contact listed on report, XXXX Card no contact information listed on report, XXXX XXXX. no contact information listed as well for this company. 

Please investigate and has these entry removed from my credit reports that has handicap me for far to long. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXXXX/XX/XXXX # XXXX These accounts have violated my rights to privacy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 


Account Name : XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We were having problems making payments and given a 6 month forbearance for Covid 19. My wife spoke to Truist and we were given another 6 month forbearance for Covid 19 and at end of forbearance period Truist refused to take our agreed to monthly payment. They asked for a lump sum to make up for past payments under forbearance. We never had a problem with Sun Trust but Truist employees screwed up numerous times and they could see it in their records. The employees reviewed notes in their records which showed their mistakes but never corrected. Truist sent us a form to fill out on how to handle past amount due and we requested to put at end of mortgage. At first Truist said they never received and then said they had received late. The interesting part was one employee said one thing and the other something different. Now Truist had sold mortgage to XXXX XXXX XXXX and won't give me copies of what was agreed to. I think the federal government needs to step in and straighten this company out. Next step should be a class action lawsuit for illegal loan practices between Truist Bank and now XXXX XXXX XXXX as they can't get their dates straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my birth certificate as my name is not XXXX XXXX XXXX 5. 

I am disputing public record and XXXX accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report. 

The following personal information is inaccurate Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/year> at XXXX XXXX  I Called Midland Credit Management to ask for a copy of the purchase agreement that shows they purchased a debt from XXXX XXXX XXXX. I spoke with a representative who was unable to provide this documentation. I then asked to speak to a manager. They connected me with a manager. I asked him for a purchase agreement that shows their company bought this debt in my name. He is not able to provide this information. I told him that if he is unable to show me this document then they need to remove this collection from my credit report. He stated he does not need to show this document. I told him XXXX  law requires it. He stated all the documents are online. I told him I don't see them. He then put me on hold and a women got on the line. She stated that they don't have this document. I told her I want to dispute this collection and remove it from my credit report. She than kept asking for my social security number which I did not want to provide. She stated she is unable to help me further.
Product: Credit reporting or other personal consumer reports

Submitted complaint XXXX XXXX " Logged in to place a temporary thaw earlier in XX/XX/year>- this had no issue, nor any previous time logging in to temporarily thaw my credit. On XX/XX/year> I logged in and was shown that my account was suspended and I had to contact them through social media or a phone number. The phone number went to an off-shore call center where they asked for the entirety of my personal information including last 4 of social and birthdate, and then they were able to remove the account suspension but could not give a clear reason for why my account was suspended. This seems like a major issue as not everyone will have luck contacting a company through XXXX formerly XXXX, and it doesn't really make sense for us to need to give some random, untraceable off-shore call center employee all of our sensitive personal data, just to reverse an arbitrary, undefined, unclear account suspension, in order to unfreeze credit. '' In response, the company gave a generic response " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. '' which does not even remotely relate to my original issue. The response in question indicated a dispute of information- which was not at all the point of my complaint, which focused on how TransUnion irresponsibly suspended my account for no reason and required me to provide an absurdly extensive amount of personal data to an offshore resource to unlock the account.
Product: Debt collection

I received a forwarded letter from XXXX XXXX a collection agency that took over the balance for a Ultamate Rewards account from Comenity Capital Bank. I only have one credit card through my parents that they manage for me. I was surprised to have received a debt collection letter for something that I am not responsible for. I called Comenity Capital Bank several times and they have refused to provide me any account information for a close account. They did give me a date when the account was opened ( XX/XX/year> ) which was two months after I had moved out of my previous apartment and moved in with my parents. I never received billing statements because I didn't forward my mail because I always chose to have my mail sent to my parents house. I'm a XXXX XXXX and paying for everything myself. I'm very responsible with my money because I have very little of it. I take full responsibility for my mistakes and right my wrongs, but I am always trying my best to avoid making them so I'm not in these situations and can have excellent credit for my future. I need some help with this. I'm not sure what to do. I've hit some walls and everything seems to point to " you need to pay for something you didn't buy '' and I don't feel is acceptable.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts, the issue of fraudulent, inaccurate, and misleading information on my credit report remains unresolved. The presence of these items has severely impacted my life, causing me significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Product: Checking or savings account

The bank put a restriction on my account for suspicious activity I called the bank they said they should lift the restriction within a week. Its been going for XXXX weeks now and XXXX cant access my funds. Every time I call they give me the same answer whichs wait for an email with further instructions I really need help resolving this or Im going to end up in the street because I have t paid rent Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to rent at apartment so today XX/XX/2020 I applied at The XXXX  apartments and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE COMPANY SEVERAL TIMES TO NOTIFY XXXX  CREDIT AGENCY TO REMOVE ALL NEGATIVE ITEMS AND AS OF TODAY 'S DATE NOTHING HAS BEEN DONE BY NET CREDIT. I HAVE ALSO FILE SEVERAL CFPB COMPLAINTS AND NET CREDIT REFUSES TO COMPLY.
Product: Checking or savings account

I am writing to formally file a complaint concerning multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed postings of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances, despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

In XX/XX/XXXX, I was affected by Hurricane Irma. I lost power and food. I immediately contacted Mr. Cooper ( mortage Company ) and was advised I would be placed in a three month forbearance program and because I was affected by the storm, I would definitely qualify for a modification. I was even advised I would not be penalized if I was unable to make the payments. I called every week, sometimes two to three times a week. I spoke with my loan specialist maybe three times. Each time I told my file was pending. Sometime in XXXX I received notice that I was denied because I had a modification less than 24 months ago. However, representatives assured me I would be approved because It was a different modification. I was shocked that I received so many different responses from the same company. I am now paying my mortgage before the 90th day every month to avoid foreclosure. Now I am receiving demand letters and certified mail every month, which has taken a toll on me and my daughters who are all in college. Mr. Cooper now tells me I owe over 6000.00 due to escrow and taxes that havent been applied due to my missed payments. I feel as though they are trying to take my home. I was initially told that if I stayed with the 90 days and paid one payment until I could catch up, I would not be in danger of foreclosure. Now, I am told I am in danger of foreclosure and I must pay my mortgage to current. This is devastating and has been a nightmare since XX/XX/XXXX. Please help!
Product: Payday loan, title loan, or personal loan

I tried to get an extension due to the loss of my job because of COVID-19. I left them a message after they called me about my payment on or before XX/XX/2020. I asked for an extension on my balance of {$580.00} ( approx ). I was told the main office would not open until Monday of the week of the XXXX. 

They called me on Monday the XXXX to let me know I had to pay {$270.00} and the rest in XX/XX/2020. I told them I did not have the money. I asked for a better extension and was denied ( spoke to XXXX ). I was told them all I had was {$200.00}. This money was supposed to be for my light and water bills. They took the {$200.00} and refused to give me an extension for the XXXX payment because I had an agreement I had to fulfill. The agreement was made in XXXX when I filed a complaint against them. 

It is out of my control that we are dealing with Covid19. I am now struggling to pay my utility bills because I had to pay them the {$200.00} on the XXXX of XXXX, 2020. 

It is sad to say, while they were taking all my interest money in the past they were very happy with me as a client. Now they are rude and ugly to me. I gave them so much interest money it is pitiful they treat me like this now. 

My balance is now approx {$390.00} and I can not pay this in XXXX. I am willing to pay it in the installment of {$130.00} in three months. If they refuse and take my car I will sue them. I have never refused to pay them. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX  XXXX and it was charged off. I entered into a settlement to pay off an agreed upon balance. I made monthly payments and paid o Everything that was agreed upon. For some reason, XXXX and XXXX recognize that I have a {$0.00} balance and account is settled, but TransUnion doesnt recognize this. I just want accurate information on my TransUnion report.