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

TransUnion violated several of my federally protected consumer rights. 
Violation of 15 USC 1681b by furnishing my consumer report to XXXX XXXX XXXX XXXX, without permissible purpose. 
Violation of 15 USC 6802 by disclosing nonpublic personal information to the above companies. 
Violation of 15 USC 1681e ( b ) for not ensuring maximum possible accuracy of information. 
TransUnion did admit to these violations indirectly by deleting the above companies inquiries when I disputed them on XX/XX/2022. 
TransUnion committed identity theft, pursuant to the FCRA, subchapter F states ; the term " identity theft '' means a fraud committed or attempted using the identifying information of another person without authority. 
Violation of 15 USC 1681a ( m ) by including in my consumer report transactions that were not initiated by me, the consumer.

Violation of 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) by not providing me, the consumer, the required information that was used in the reinvestigation for verification and the accuracy and completeness to the following account ; XXXX XXXX XXXX. I mailed a certified letter requesting this information on XX/XX/2022. Another certified letter which they received on XX/XX/2022 requesting the same information as well as stating their violation of 15USC1681i ( 6 ) ( B ) ( iii ) & 1681 ( 7 ). This account is still fraudulently reporting on my consumer report.
Product: Payday loan, title loan, personal loan, or advance loan

I was told I was required to get the add on products which turned out to be untrue and was never issued a refund
Product: Money transfer, virtual currency, or money service

XX/XX/year> over {$5000.00} was withdrawn from my Cashapp account and cashapp said there was nothing they could do about it.
Product: Checking or savings account

XXXX has blocked my access on XXXX XXXX  to make XXXX XXXX and this was done, when I have $ XXXX funds in the account
Product: Credit reporting or other personal consumer reports

Dear CFPB, PHH Mortgage Services, and Ocwen, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term.

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect.

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance.

Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history.

Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence.

These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported my account as charged off even if I paid my credit card every month. And I paid it off.
Product: Credit reporting or other personal consumer reports

Transunion was sent proof of inaccurate information with account XXXX  XXXX. Did not remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX MI application for auto loan requests for credit history. 

Permission was given for only one credit inquire on XXXX XXXX XXXX and four were pulled on same date. One of the credit pulls was a duplicate. Permission given for XXXX XXXX XXXX XXXX, XXXX, MI ( a  duplicate pull ) and not XXXX XXXX, XXXX, MI, or XXXX XXXX XXXX, XXXX, MI. 

The above causes adverse credit which I have been trying to build these past few years. I want the three adverse inquiries cancelled.
Product: Mortgage

I have applied for a Hardship Loan Modification. XXXX XXXX and Select Portfolio Servicing handles the loan for XXXX XXXX. 

I believe FRAUD is involved here. 

I need a Loan Modification that reduces my Loan rate from 7 % Predatory Loan Yes, XXXX XXXX is redoing my loan and NOT reducing the loan Rate. 

I am going to have to write President Trump for this FRAUD. 

This is my 4th Complaint and Consumer Financial Protection Bureau DOES NOT HELP US! This is a worthless Process, since I am filing my SAME Problem for the 4th time.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  and XXXX XXXX XXXX XXXX had the same data An address I never lived in Accounts open 7 years ago and 4 months Another name I dont have Both XXXX and Equifax removed the account XXXX but I see them BACK on my report without any evidence only the two banks had used my ss # and do not have my NAME nor my ADDRESS nor my Drivers License
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX credit card accounts must be removed from my credit report. I was denied credit due to this fraudulent accounts on my XXXX, transunion, and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

My credit score recently went down by XXXX points and the only thing that changed is XXXX decided to start reporting my student loans TWICE and incorrectly so it now looks as if I have more than double the debt. For reference, they have two older reports ( with the last payment showing as XXXX and I just made payments in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, etc ) that show incorrect student loan balances of in excess of {$26000.00} altogether ( one approximately {$9800.00} and the other approximately {$16000.00} ) - these amounts and payments are incorrect and need to be removed from my credit. They ALSO have an entry for approx. {$25000.00} - this is the only correct entry on my credit and includes the ENTIRETY of my student loans. I do not owe over XXXX XXXX DOLLARS anymore - and they will not fix it. They claim they are unable to even look into it unless I file a dispute with experian first. I have done so but how lazy and cruel? Your ( XXXX ) poor accounting and reporting caused my credit to drop by XXXX points while we are shopping for a home for our family and you cant be bothered to fix it unless forced to do so by an outside party? I am extremely disappointed with this servicing company. Please provide more oversight. Perhaps if they remember the watchdog is watching they will behave a bit better.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a {$66.00} purchase through PayPal. However, I sent the merchant an email to cancel the order on XX/XX/2020, and XX/XX/2020. However, the merchant refused to cancel the order but shipped the item anyway, which was not delivered. Therefore, on XX/XX/2020, I submitted a dispute through Paypal, which Paypal denied. They did not give me the opportunity to appeal my denial with additional documentation. Therefore, Paypal supported a fraudulent transaction with the merchant, which included a false tracking number that was not from USPS. 

In addition, I contacted my leasing office and spoke with XXXX and XXXX. They both confirmed that no package was delivered. Then after further research on the merchant, there were other complaints about the same issues regarding fraud.
Product: Student loan

My loan qualifies for total and permanent XXXX discharge and Ive provided documentation to Nelnet multiple times now, Ive been told by Nelnet multiple times that my documentation is received and is being processed and I can ignore any further requests for documentation to be provided again and again as they see that everything is corrected uploaded ; however, Nelnet is now charging interest and stating that they did not receive my documentation after I had been advised numerous times by multiple representatives that it is received and not to worry. Please help connect me to a live person who can fix this. Ive now spend at least 8 hours on the phone with them and countless emails back and forth getting nowhere.
Product: Checking or savings account

I opened a checking account of East West Bank, and since East West Bank needed to inject funds to activate the account, so I wanted to bind my East West Bank account to XXXX and withdraw funds from XXXX to East West Bank account. When I binded my East West Bank account to XXXX, XXXX sent two small amounts of funds to my East West Bank and then withdrew them for a small verification. And then the next day my East West checking account was closed for no reason, and other than that, I've never used my bank account for anything.It took less than a week for my account to open and close.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is existing complaint that was closed and I was locked out could not respond. 
XXXX I attempted to pay the payment before 30 days. You show on your system PROOF that I tried 6 times! How dare you not change my credit. I have paid over the phone for almost 2 years nothing was wrong with my account. It was your system. I tried to pay with a rep due to the automated problems but you were closed and you know that I attempted to pay before the 30 days you say It in your response. Number 2. The reason I did NOT pay sooner. I did call Bmw financial services and a rep told me to wait to pay my payment after my car accident/flood Incase the car was a total loss, conversation was in XX/XX/XXXX or XXXX. Your calls are recorded listen!. Your response is incorrect I did not end up having a total loss and its out right disrespectful telling me I should try sooner to pay my bills. But your Road side assistance took 2 months to refund me towing expenses that are supposed to be included in my lease agreement. This was twice the amount of my car payment. You owed me money!! This is the XX/XX/XXXX late. I will never ever buy a bmw! Im buying a home and you ruined my credit! This company is discriminating who they want to help. I have spoken to the Cfpb and they have provided me with legal resources which is going to be the next step if this is not taken off. This is the last time Im speaking to Bmw Financial to change all lates on my credit. I have sued a company in the past and won XXXX for discrimination. Im not playing with Bmw. You think you can mistreat people and get away with it. Your reps call back recently and sound like robots! Always making excuses saying road side assistance has nothing to do with your company when its BMW! You keep ignoring this fact when one effected the other. Someone was supposed to call me from road side assistance they didnt!

My other issue later in the year the pandemic My mother caught XXXX  I could not make the payment being in XXXX the phone dials out in XXXX but it does work in XXXX but you probably cant see the issue. I DID call. Knowing Im in XXXX due to my mother catching covid your company is heart less and choose who you want to help during a pandemic. I know some one who has received help from Bmw that is why Im saying this! Stop fighting your customers and help them. I will not stop until this is off. Im very upset now reading the lies in your first response by XXXX XXXX have someone else review it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET XXXX XXXX Balance : {$40000.00} - I wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at all. 

NELNET XXXX XXXX*Balance : {$66000.00} - If you can't prove that you had proof, you need to remove this late payment. 

XXXX XXXX XXXX Balance : {$520.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$920.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$370.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX XXXX XXXXXXXX XXXX - I've submitted proof that this is not my signature on the petition - you need to remove this immediately.
Product: Debt collection

About a month ago, I filed a complaint against Firstpoint Collections for reporting eleven new collections on my credit report, without notifying me first ; or giving me the opportunity to answer for them first. They lied to you in their response, and the eleven collection accounts are still illegally reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding th e following accounts on my credit report : XXXX XXXX XXXXXXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I contacted Renton Collections Inc and made a {$75.00} payment on a {$350.00} collection balance. This debt was originally a medical bill from XXXX XXXX XXXX XXXX, Washington. After making that partial payment, the collection balance should have gone down to {$280.00}. 

On XX/XX/XXXX I contacted Renton Collections Inc., of XXXX, Washington. again to clarify my collection balance and pay off the correct balance in full. Their representative at that point verified my personal information and informed me that I had a balance of {$330.00}. I asked her why my balance isn't reflecting the partial payment I made in XX/XX/XXXX, and her response was that they are charging an interest rate on top of my original medical bill. 

I am submitting this complaint in reference to the Fair Debt Collection Practices Act, section 808, line 1, which states the following : 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This means that, unless the original creditor, or to whom the debt is owed to, has already included in this debt any interest or fees, and/or has disclosed in an agreement creating the debt that interest is to be charged on any balance, it is against this law for any collection agency to collect interest on such debts. This even more applied to medical bills as hospitals do not charge interest for services provided!
Product: Mortgage

I have had an account with the company ( OneWest Bank ) who has held my XXXX mortgage ( HELOC ) since 2006. I have excellent credit and have never had a late payment reported until last month by OneWest/CIT. I paid through their web portal as I have the prior 100+ times previously. The transaction went through without issue. I did not capture a copy of the confirmation. I received zero communication from them that a payment was in arrears. I was notified by my credit monitoring that my score had changed and immediately paid what they showed to be in arrears and called them. They told me that they could not authenticate me although I provided every piece of personally identifying information they requested. They told me they would not speak to me. I asked to have this escalated to a manager and they refused. After much badgering, they said they would have a manager contact me, but, they never did. I purchased the email addresses for their corporate level management and emailed them. Someone emailed me back and said someone will be in touch. It 's been 13 days and no response. I have tried to contact them multiple times via telephone and email and they have been unresponsive. My credit score has now been severely impacted and I 'm in the process of refinancing which may impact my ability to close. I have submitted disputes with all three credit bureaus. I am furious and can not believe that a company I 've had an account with for 9 years would violate my rights under the Fair Credit Reporting Act. A company that so blatantly violates a consumers rights in this manner should be made an example.
Product: Vehicle loan or lease

To Whom It May Concern : Per XXXX news ... If you were a victim of Santander, Atty General XXXX XXXX encourages you to reach out to his office, as even if you don't get part of the settlement money, they do have ways to help clean up your credit, XXXX XXXX at Atty General Said Nothing to be done ...??? 


XXXX Million dollar lawsuit settlement with Santander USA, my name was not on the list with XXXX XXXX, NC Atty Gen said it is based on my Credit Score on that Day, I had filed a Ch. XXXX Bankruptcy, my home was foreclosed ( XXXX XXXX  XXXX, You have my complaint on them too ) not given a Loan Modification, either ) ... car was bought from the infamous XXXX, XXXX, NC in XXXX of XXXX. ( LOANS FROM XX/XX/XXXX through XX/XX/XXXX, I QUALIFY ) for Restitution. I was a victim ... How was I not qualified??? 


My loan number with Santander is : XXXX, astronomical interest, still owe XXXX, I am XXXX  with XXXX XXXX and Serious XXXX XXXX ... I gave up my career to care for both of my parents from XXXX to XXXX, got in a bad place financially doing so, have been gainfully employed since ... I have been serving to care for others as a XXXX, XXXX XXXX during Covid ... I need Restitution, Deficiency waiver, loan forgiveness and or CLEAR title ... Can you help me please??? Investigate this ... .I NEED Why was I not qualified??? 
Resitiution Wanted : I want a Clear Title or a normal interest rate and this ends XX/XX/XXXX ( and Clear Title ) Please ... 
Sincere Regards, XXXX XXXX XXXX ***Please see other Complaints like mine : Posted by XXXX XXXX XXXX XX/XX/XXXX I have had some of the same issues like everybody else. How do I get in on this class action law suit? 
Posted by XXXX XXXX on XX/XX/XXXX I have paid off this car 3 times and I am sick that we still owe almost what we bought it for. 
Posted by XXXX XXXX on XX/XX/XXXX I want to participate in the class action law suit, they have called me sometimes 3 to 4 calls per day on my lien Posted by XXXX XXXX on XX/XX/XXXX I contacted Santander Consumer on XX/XX/XXXX to voluntarily surrender the vehicle that I had financed through the company. I provided them with the location and where the could find the key. Its been almost 3 months and the still have not come to get the vehicle, but are still reporting a delinquent balance to the credit bureau. The vehicle was a XXXX XXXX XXXX that I purchased in XXXX and still somehow owed $ XXXX. 
Posted by XXXX XXXX on XX/XX/XXXX Please add me to this class action lawsuit. I have the same situation. 
Posted by XXXX XXXX on XX/XX/XXXX I filed attorney general complaint in N.C. for violations of finance contract being over the legal limits NC GS 25A-15. The legal limit on interest rate for credit installment contracts is 18 %. 
Posted by XXXX XXXX on XX/XX/XXXX {$10000.00} dollar auto loan with {$3000.00} down all payments on time still owe over XXXX how is this possible?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX