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

I am writing to file a formal complaint against TransUnion regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XXXX XXXX XXXX I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXXXXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Numbers : XXXX, XXXX ), and an incomplete public record : Court Name : U.S. Bankruptcy Court Reference Number : XXXX Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing my dispute letter to TransUnion via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from TransUnion with the results of their investigation. It is evident that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. TransUnion 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into TransUnion 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold TransUnion accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.
Product: Credit reporting or other personal consumer reports

This is in response to complaint XXXX. You have provided nothing validating the current balance on the account. I contacted the original credit XXXX XXXX  and that is not the balance owed. I also requested your company to pay the invoice for the many FDCPA violations in which you did not. I will be moving forward with taking legal action. You also failed to provide the letter that was sent to me informing me that the account was being sold to your company. Once again I am requesting the removal of this account and the requested information as I have this right. I assume if you do not provide ALL information requested that this account is incorrect and will be removed immediately. Please refer to the attached documents.
Product: Debt collection

Portfolio Recovery Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Credit card or prepaid card

I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX   XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have repeatedly attempted to settle debts that I incurred as a result of Covid and malice. However, TD Bank has miss reported my agreement with them and after XXXX XXXXXXXX they put me through this is reprehensible. 
I settled the debt and mt credit needs to reflect that. 

Also ALL credit companies working on behave of XXXXXXXX XXXX refuse to deal with me. 
LAst week, XXXX said they would follow up, and nothing. Please help me.
Product: Debt collection

Global Recovery Group called my phone threatening to call my relatives and they did - stating I was under investigation. Scared my daughter, asking for my address. I do n't owe this company. I read they are debt scammers. When I phoned them they mentioned they needed my phone number and another department called. They are terrible!
Product: Debt collection

Explained there is no debt from 2016. Called company debt was supposedly owed to. company has no record of outstanding debt. Said to ignore phone calls from debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Bank account or service

When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.
Product: Debt collection

AMERICOLLECT wants me to pay a bill for a time I was covered by health insurance and refuses to bill my insurance company for payment. Although my insurance company agreed to pay the bill. AMERICOLLECT chooses to report that on credit report that they are trying to collect payments from me. This makes no sense. They hospital in which I received care claims I have bill owed but AMERICOLLECT says they are collecting on behalf of the doctors that work there but will not provide me any proof.
Product: Credit reporting or other personal consumer reports

The credit reporting Agency removed all the collections from XXXX them 1 week later put then all back as collections. and they were reported closed. This was done by XXXX XXXX. And anytime I send them responses they say its a credit agency or some excuse its not me.. That's a lie, I am the one sending it. I am XXXX XXXX and need help sometimes because I can't do everything so I have my Family or Sisters help me on their Laptop. 'Id like you to verify for me why the collections were taken off then put back on,. I am trying to get a place to live and by them being sneaky is stopping me from getting approved for housing. Please they need to remove them like they did and leave it that way. also XXXX XXXX XXXX was a Paid collections and they refuse to remove the account.It was to be deleted after it was paid off which it was,, And they also put this back because it shows to other accounts that pulls from XXXX XXXX and Experian
Product: Checking or savings account

I applied for a loan but never accepted it and therefore never received cash for the loan. Today the company called Explore Credit withdrew XXXX from my checking account and when I contacted them they claimed it was an error but apparently this is what the do. They said the would address it in due time. But others have been told the same with no resolution.
Product: Credit reporting or other personal consumer reports

I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from XXXX, Equifax, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Equifax are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.
Product: Mortgage

I have a mortgage with NewRez since XXXX. Mortgage Insurance ( MI ) on my loan was supposed to be discontinued about 2 years ago. I have contacted the company many times ( by phone and email ) and received a letter in XX/XX/XXXX stating my loan has been approved for FHA MI cancellation, with FHA MI paid in arrears. 
I have since contacted the company again for follow-up on removing the MI from my monthly payments and for refund of arrears, but I have been unsuccessful. Anytime I call, I am being redirected to an insurance number that is unable to answer my questions. 
Lately, I received a letter stating my request has been submitted to the owner of the loan. 
The whole process has been very confusing.
Product: Credit reporting or other personal consumer reports

I've reached out to Equifax 7 times ( the first 3 times I can't remember as it's been such a daunting and long process ) but I mailed a letter that I have proof of on XX/XX/XXXXXXXX XXXX XXXX XXXX and most recently called twice and was told it was be updated but I received a letter in the mail dated XX/XX/XXXXXXXX  with the incorrect name on it but yet my correct personal information is found on the 14th page of the " Research Request Form ''. I have not been able to pass security verification questions for over a year due to not being able to verify my information regarding updating the personal information being reported on my credit report. The last name is incorrect and does not belong to me. I've provided proof from my driver 's license, bank statement, and social security card that proves the name is indeed not mine. Yet, evertime I reach out to Equifax they came they haven't received any of my CERTIFIED letters that prove they were delivered or have yet to provide proof of their validated credit disputed investigation even though, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I'm required to have this information when asked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1971, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

i have contacted equifax office of consumer affairs on several occasions and have been denied access to receive copies of my credit report after providing all the documents that they requested also i was a victim of identity theft in the past and i fear that equifax has been reporting that information on my credit file i have tried to remedy this a lot of times only to be told that i can not dispute any information that i feel is inaccurately reporting. I have also asked them to remove all derogatory information that was related to the fraud only to be hung up on several different occasions I have documented proof that equifax has been adding information to my credit file without getting the consent from the actual owner of the information its self and not doing a complete investigation.. i have been told that i can not receive any copies of my credit report and that i can not dispute any information on my credit file even though the information is inaccurate. causing unjust harm and exposing me to even a greater risk when it comes to my credit file information violating my consumer rights
Product: Mortgage

This is a continuing complaint from complaint ID XXXX. 
I received Terms and Condition of Modification and related documents from Nation Direct Mortgage. In these documents most of my payments from XX/XX/XXXX to XX/XX/XXXX are missing. 
Today I called Nations Direct Mortgage the XXXX number which is on the documents and was told that my payments were {$3400.00} from XX/XX/XXXX and I have a balance of {$41000.00} due, which I have never been notified. My modification trying period monthly payment was XXXX.
Product: Mortgage

in XXXX my ex lost his job, we try to apply for assistance with wells fargo and they denied us, since XXXX we have divorce and we both me and my ex decided to divorce and he awarded the house to me. I have my divorce decree stating i am the homeowner of my house so i try to do a loan modification and they denied me they said they wanted a warranty deed with all my rights of my home giving to me so i did but i have been struggling for almost 7 years and getting no where! i have talk to to many people that take the case and they seem to close them out because not they want a liability form signed by my ex, well I can not find him, he has remarried and he signed all the required forms for me to have every right of my house. I am a successor of interest but the mortgager still wont let me do a modification on the loan cause they need his permission after i have the warranty deed and divorce decree signed by my ex, now they want me to provide his address and where he is at which he has remarried and his wife does not want any part of me. Wells Fargo has been so unfair and always has giving me false information, they have been so unfair in deceptive practices! i have lost my hair from all this stress they have giving me! I dont have good credit to move my mortgage somewhere else if not i would! I was laid off in XXXX and had a terrible XX/XX/XXXXyear with XXXX  and XXXX that almost XXXX  me! i feel they are treating me unfair and i get transfer to so many people i feel they aren't taking me seriously! i just want to modify my mortgage and add my name on the note Please help
Product: Mortgage

I am a XXXX in XXXX XXXX Nevada. I was representing the buyer of property at XXXX XXXX XXXX, XXXX XXXX XXXX Nevada XXXX. I was made to suffer an Oppression at the hands of Nationstar Mortgage and their representative. ( 26 U.S. Code 7214 - Offenses by officers and employees of the United States ) On or about XXXX/XXXX/2016 XXXX XXXX XXXX, and NationStar Mortgage, working as an agent of the United States, on behalf of Nationstar, in settlement of a HAFA mortgage adjustment, and under the color and authority of this program, while full well knowing that as a real estate agent, I am compelled both legally and ethically to work in the best interests of my client, demanded that I accept a reduction in compensation to complete the above mentioned sale. Per his position it is assumed that he knew of my obligations to my client. He has by his action cost me a reduction in my compensation of more than {$1100.00}. I pray that you will demand that NationStar display their records of this transaction, compensate the real estate agents to the original contracted amount and find their answer for reducing the seller compensation by {$12000.00}.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit reporting

There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.
Product: Checking or savings account

I fixed the Situation with CHIME XXXX it was a 3rd party vendor and they still went behind my back and closed my card WITHOUT MY PERMISSION! 

EXAMPLE SIMILAR TO XXXX VS CHIME XXXX XXXX!! 

Start a suit in XXXX on my behalf!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Equifax credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Product: Credit reporting

I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.
Product: Student loan

I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!