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

I am writing today because I am shock how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open XXXX is reporting XX/XX/XXXX while XXXX and Equifax is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while XXXX and Equifax does not have a closing date. 

The third error account status XXXX and XXXX is reporting closed while Equifax is reporting open. 

The fourth error payment status XXXX and Equifax is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and Equifax does not have a date. 

The last error credit limit XXXX and XXXX is reporting {$2100.00} and Equifax is reporting {$0.00}. 

I have sent numerous letters to these XXXX credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law.

Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse.

Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case.

Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation.

Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved.

CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Prepaid card

I contacted InComm by phone on XX/XX/year> ( XXXX ). 

I was given a {$200.00} XXXX XXXX card for XXXX. I attempted to use the card on XX/XX/year> and there were XXXX dollars on the card because a fraudster somehow stole the card and used the funds in XXXX separate transactions on XX/XX/year>. When I attempted to use the card on XX/XX/year>, the card was still in the untampered package. The merchant tried to scan it and it did not go through. I called the # on the back of the card and discovered the card had {$0.00} remaining. 
InComm took my dispute ( XXXX ) and required that I provide my name, DOB and mailing address. I completed all the requested paperwork, but today they emailed me requesting that I send them copies of the original packaging, front and back. This is no problem but they also want a copy of my receipt. I don't have a copy of the original purchase because the card was a gift. I'm escalating this issue to the CFPB now because I know that without the proof of purchase, InComm is going to deny my request. InComm should know what specific store received a card and they should be able to make a reasonable decision based on where the card was purchased ( Georgia ) versus where the charges occurred. There are several outstanding lawsuits against InComm for shoddy security practices or potential internal company fraud.
Product: Debt collection

I am receiving repeated automated calls from a company called True North on my landline answering machine. The number is XXXX. I called once and the agent asked from personal private information, which I did not give. When I offered to give the phone number that I have been receiving calls, the agent hung up on me. I stopped receiving calls for about two weeks and am now receiving calls, again.
Product: Payday loan, title loan, or personal loan

credit reporting companies are leaving things on my credit thats suppose to be off stoping me from getting the credit i need for investments
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Nissan Motor Acceptance Corporation ( NMAC ) was settled on XX/XX/19 ( See attached ). It  is showing a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX  and XXXX  ( See attached ). I called the ( 3 ) bureaus asking them to remove it from my credit report. I was told that it couldn't be removed at this time. I would like help of removing it from all ( 3 ) credit reports. Thank you.
Product: Credit card

My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive XXXX ( the only XXXX I had ever had ). This was XXXX ... By XXXX the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around XXXX and I was pretty sure it went to collections that same year. I would have thought it would have fallen off my credit report and it has n't. Its frustrating because all of this happened before they changed the laws- So for a {$300.00} credit care I owe {$610.00} - All of the balance is late fee and interest. Can it be taken off my credit report? 

Thank you XXXX XXXX
Product: Mortgage

I am a spouse of an XXXX XXXX serviceman. My current mortgage company is United Wholesale Mortgage. We refinanced and closed XX/XX/XXXX with a deposit into escrow because property taxes were coming due. I was alerted the taxes were not paid XX/XX/XXXX and called the company to see what the delay was. I was assured that the taxes would be paid and received several follow-up calls assuring me that the problem was handled. In the end of XXXX this year I was again alerted that my property taxes were still not paid. I contacted UWM and was again assured the taxes will be paid and they were on the situation. I received several calls without resolution of the problem. 2 weeks ago I began insisting that I was explained what the problem was. I was told that we were tax exempt ( which we are not ) and was told they had no intention of paying with the over XXXX XXXX dollars of money currently in escrow. They said they were only going to pay the home insurance with the money which makes no sense as that is only {$1000.00}. I contacted the XXXX County Assessor 's office and they were very helpful in finding out the mortgage company was using the wrong parcel number ( Assessor 's ID ). I again alerted the company to this error and sent my copy of the current tax bill expiring XX/XX/XXXX on XX/XX/XXXX along with the conversation with the XXXX County agent. I again received a follow-up call stating that they couldn't pay the bill yet. They told me they contacted the XXXX County Assessor without changing the parcel number. I asked if they could close the escrow account and give me the money to pay my taxes or just simply pay the taxes immediately. The penalty fees are currently {$360.00} but will probably be doubled because they once again missed the deadline. At this point in time they still have not resolved the problem and my taxes are unpaid about 5 months late.
Product: Payday loan

I applied for US bank loan in the amount of {$6000.00} to rent an apartment, establish my life independtantly from my parents, and begin working. I was not credited the loan. I took out a {$500.00} line of credit and received a report that my credit card was used to purchased a taxi cab service in XXXX. I reside in XXXX XXXX and have not left the state since traveling to XXXX over the summer. My SSN was published via social media accounts and I believe it was likely used maliciously.
Product: Debt collection

I have been in contact with XXXX XXXX XXXX since XXXX of 2020. A XXXX bank credit card opened in my name and charged off to XXXX XXXX XXXX. I have cooperated with them but am now being sued for a debt that is a result of identity theft. I have filled out all of the fraud affidavits that were sent to me from them. I was told by representatives of this company that they could see a name, address, email, and bank account attached to this account that was not mine. I now realize after being taken to court for a pre trial hearing that this company does not take your concerns seriously and have now filed identity theft with FTC and am waiting for an XXXX to meet with me this week to file a police report. I feel as though I am being harassed to pay money that I do not owe. I do not think XXXX XXXX XXXX handle victims concerns appropriately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 the credit company 's claimed that the information for a bankruptcy was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses. 

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit card or prepaid card

I had a new air conditioner installed and was offered 24 months same as cash by the company, XXXX XXXX, which is financed via a credit card through Synchrony Bank. I received no information about the account but was informed it would be sent with card. When I received the account I discovered I was charged a {$29.00} activation fee. It was in the disclosures I received with the card but if I had know about the fee in advance I would have gone ahead and paid for the unit. I contacted the bank and was advised they are sorry I wasnt informed but they are just the financial institution and cant control the sales guys. Are they ultimately not responsible to ensure proper disclosures are given prior to selling their products? Very frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 



XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft ALLY FINANCI Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these account. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today ( XX/XX/year> ) I saw a hard inquiry made from my credit card report. The inquiry is made by a company called XXXX XXXX. I dont have any knowledge of such transaction.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Transunion. I have already successfully placed security freezes on my record with XXXX  and XXXX. The process at those two companies was seamless and easy. Transunion has made the process difficult. I'm doing this over the phone because I DO NOT WANT TO HAVE TO CREATE YET ANOTHER ONLINE ACCOUNT! First, I couldn't complete my freeze with Transunion on XX/XX/20 ( yes, XXXX XXXX holiday when I had some extra time ) because they said their office was closed. But it was an automated phone system -- why does it matter if their office is closed? It worked fine on the holiday with the other two companies. Second, when I called back on a work day, I put in all the required information and they still made me wait on hold to " talk to a company representative. '' When I finally reached an actual person, the first thing they did was ask for my SSN. I'm not comfortable giving this information to an individual person. I want to do it on the automated system. But every time I try to place my security freeze with Transunion, they funnel me to a person whose main interest is in selling me services. Please crack down on this behavior and require Transunion to make the process of freezing one 's credit easy, automated and SECURE!
Product: Credit card or prepaid card

Wisely card that i had was stolen and im trying to get wisely to send me a replacement card to my address were i live in XXXX XXXX my address on my license have a out of town address so they can send me a card because the keep telling my they have not received my new information when on XX/XX/XXXX and XX/XX/XXXX the sent me a link to upload my license and my new address but when i call they say that dont have it my employer up dated my information also i keep asking for a temp card for my pay check is still on the card my bills are due i have to pay my car note i need help when i call today the man agent just stop talking to me and hold the phone i had to call back i got XXXX and she cant help i ask for a supervisor and the line dead what can i do to get my money from Wisley card service at XXXX
Product: Mortgage

Dear CFPB Representative, I am writing to request your assistance in resolving an issue with my mortgage company, Pennymac loan service, regarding the reporting of late payments on my credit report. During the COVID-19 pandemic, I entered into a forbearance agreement with Pennymac loan service, which was part of a COVID-19 forbearance modification plan.

The forbearance was agreed upon to help me manage the financial difficulties caused by the pandemic, and I have since resumed regular payments as per the modified terms. However, I recently reviewed my credit report and noticed that late payments were reported during the forbearance period. This reporting is not only inaccurate but also negatively impacts my credit score and overall financial health.

I believe these late payments should not have been reported, as they occurred during a period when my mortgage payments were on hold due to the forbearance plan. Under the CARES Act, mortgage servicers are required to report accounts in forbearance as current if the account was current when the forbearance was granted. My account was in good standing before the forbearance was initiated, and I have made every effort to comply with the terms of the modification.

I have attempted to resolve this matter directly with Pennymac, but I have not yet received a satisfactory resolution. Therefore, I am seeking the CFPBs intervention to help ensure that my credit report accurately reflects my payment history.
Product: Mortgage

I was not behind on any prior Pymt before, Forbearance months of XXXX, XXXX and XXXX total of {$1300.00}. In XX/XX/XXXX received a call for Suntrust on Pymt. Paid {$440.00} on XXXX XXXX XXXX paid {$890.00}. Paid XX/XX/XXXX th of {$440.00}. Received my annual esrow statement shortage of {$590.00} on XX/XX/XXXX. Per statement I had to opinion 1 ) {$48.00} for 12 months added to new Pymt on XX/XX/XXXX of {$540.00}. or 2 ) pay {$590.00}. 
I have live in this house for 25 years my esrow has can short more time and my mortgage has changed. I paid XXXX {$440.00} and XXXX {$540.00} have the statement showing mortgage change because Esrow .After I paid the {$1300.00} XXXX Suntrust keeps saying I behind on my mortgage will not post any my Pymt to my account. I have called them 7 times but no one can not explained why and per the represent its noticed on my account to return my Pymt if dont bring my account up. I have log in Suntrust see where they post my Pymt then reverse puts its in XXXX applied funds. I printed out list mortgage Pymt from XX/XX/XXXX through XX/XX/XXXX its showing all my payments and I was never behind of payment. I have a copy of my statement from XX/XX/XXXXthrough XX/XX/XXXX. 
And they fees and charges me {$10.00} when I file forbearance from someone to go out inspection my house. 
This has been nightmare. I know its more Suntrust customer are going the same things.
Product: Checking or savings account

Weiss Fargo allowed XXXX to take a {$500.00} cable bill out of my account more than once that was returned. Wells Fargo closed my account with them and wrote off to the credit agency.
Product: Debt collection

I have been receiving calls intermittently for a few weeks on a company cell phone from this number. I finally was able to answer since I was driving and a man told me it was an attempt to collect a debt. I asked if he had my address and he read it off to me. I asked him to mail me the information so I could focus on driving and he told me he would not and that [ they ] had spent {$50.00} mailing me already which is undeniably false, which also made me wonder if anything he was saying was true. I told him not to call me at the number he reached again and hung up.