23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed numerous complaints that it has been fraud on my credit. I spoke with XXXX, TransUnion XXXX XXXX Periodically from XXXX to XXXX. 

I spoke with XXXX first she assured me that it was indeed fraud & that everything would be removed from credit report within XXXX XXXX. So far the inquiries have been removed but not the fraudulent collections that are being falsely reported on my name. 

I spoke with XXXX next & everything was disputed & she assured me everything will be off in a week. 


I noticed that there are a lot of inaccuracies as well that are being reported on my behalf which is false & against the law. 

I lastly spoke with TransUnion & disputed everything as well & they told me everything would be off in XXXX hours. I have really been starting to look into credit & make sure everything looks ok. I have sent them numerous letters for months trying to get everything removed. I have yet to see any action being taken. Ive explained how they are in violation of FCRA codes as well. Please advise me on next steps. I would like to get this matter resolved ASAP. 



XXXX XXXX. 
XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX inquiries Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX at XXXX I applied for an XXXX Card and didnt get accepted due to the fact that they couldnt verify my identity. Im not sure what that means or how I can fix it but all my information is correct. I have good credit. I tried fixing information to see if I got it wrong re doing the application got me denied for applying too many times. Not sure what I can do now. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear LVNV FUNDING LLC, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Pennsylvania Consolidated Statutes Title 18, Section 4120 ( Identity Theft ). 

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX identity theft statute, Title 18, Section 4120, criminalizes the unauthorized use of personal identifying information, including its use in fraudulent credit reporting activities. This statute provides strong protections to consumers, and any unauthorized reporting to credit bureaus without explicit consent is in direct violation of my rights. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

On XX/XX/year> I made a deposit at a Chase ATM. I had XXXX in cash to deposit. The machine gave back {$25.00}, meaning the deposit was XXXX. On the screen it stated I only inserted {$700.00}. I was shorted {$520.00}. I immediately called and was told to file a dispute. I was told I would receive a credit while waiting for investigation. No credit was given. I received a letter stating that there was no deposit made to my account and no adjustment will be made. I have the atm receipt and the atm deposit shows in my transactions. I even provided this information to Chase. I asked how could they investigate something like this. I was told the ATM would be audited. {$520.00} is a lot of money to take from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car at XXXX XXXX at the end of XXXX. Naturally they needed to run my credit which was fine. I now have 4 inquires when I only looked into one vehicle. I ended up paying outright for the car. There is another hard inquiry from XXXX XXXX for some type of XXXX, I never looked at any XXXX. I was not interested in any Hondas. I bought a XXXX. My credit was ran without my knowledge or consent. I shouldve only had one inquiry from XXXX on my credit.
Product: Debt collection

I have a debt on my credit report that is not mine. It is a debt from XXXX XXXX XXXX. The collection agency is Caine and Werner. I never knew what that was until it showed up on my report. There was an account opened in XX/XX/2017. I sent a letter telling them to verify the debt and they sent a response back. I have contacted the Fraud Analyst at XXXX also and have not gotten a response back. I sent letter to him via certified mail and the receipts were returned to me. I sent copies of the police report also. No one has contacted me back. And this debt is still on my credit report. The date of birth is wrong, the email is wrong, the address is wrong, the telephone number is wrong and I don't know what XXXX is. 
Creditor : XXXX XXXX XXXX XXXX- Account Number is XXXX Amount owed {$1600.00} Collection Agency- Caine & Weiner XXXX XXXX XXXX, XXXX XXXX Ca XXXX/ Phone number is XXXX I sent a letter to the collection agency and XXXX XXXX at Fraud & Payments Analyst/XXXX  XXXX XXXX  XXXX  and I called him and left voicemails with no response. 
This is totally unfair. Police reports have been sent and no one is making any contact with me. I should not be responsible for a debt I did not charge.
Product: Money transfer, virtual currency, or money service

2019 I spoke with a representative that persuaded me into enrolling in Freedom Debt Relief ( FDR ) program for my XXXX cc and loan debt. The rep failed to inform me at the time of enrollment that one deposit modification could cause a settlement to fall off back into negation or null. He did not explain so that I would understand the ramifications of a small modification in deposit. Once there was a modification, FDR took more than XXXX in fees with no settlement outcome. They saved themselves by making a payment and then took thousands from me. They misled me and persuaded me into signing up for a program with the talk of getting out of debt in 3 years for half the price. They did not inform me in a understandable and clear way about their huge fees and the consequences of deposit modifications. They misled me and took advantage of my uneducated understanding of the Debt settlement industry. I was vulnable and desperate at the time and I felt like they took advantage of me, making me fall more into Debt and in a worse financial situation than before.
Product: Credit reporting

For two years creditors nor myself have been able to access my credit report which has cause multiple issues with obtaining credit, these were not because of what is in the report but a lack of access. I have tried numerous times to get this resolved with Equifax to no avail. As a recently XXXX person this is affecting my life in negative manner and I need help as Equifax just does n't seem to care. also I have no issues with XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXXXXX has me at a score around XXXX. 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 n i made this clear for XXXX 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

The address associated with this account isnt mine I have never had or have I ever opened a XXXX XXXXXXXX or any other credit card. The person associated with the address XXXX XXXX XXXX attached to this fraud account should be prosecuted for Fraud if you investigation is through you would see this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX 
This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing account with Bank of America and at the time i was doing freelance videography through a site called upwork. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But Bank of America closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer
Product: Credit card or prepaid card

I submitted compliant # XXXX which the retailer said the resolved by giving me a refund and sending me a new card on XX/XX/XXXX. I have never received the new card and it is now XX/XX/XXXX. I need this compliant reopened and have my new card sent to me. 

This is their response : Due to the claim of unauthorized activity on your account, we have replaced your card as a security precaution. Replacing your card will help protect your account and stop unauthorized activity from continuing. You should receive your replacement card within 7 to 10 business days. However, due to COVID-19 there may be additional delivery delays with the postal service, so please allow up to 15 business days for the delivery of your card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX XXXX Consumer Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account XXXX. 

Re : Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. Experian, XXXX, XXXX XXXX regarding XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. 

Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX credit file/report ( i.e. Experian, XXXX, XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) account XXXX. This is the 1st time this incident has occurred. On XX/XX/XXXX a XXXX delinquent notification was applied to my account. ( see attached Experian Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus Experian, XXXX, XXXX. As a result, my 3-credit scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX Report-Exhibit B ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I would like to request the following : a.Re : Removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX. 

b.Re : Removal of 30-day late & negative remark ( s ) from credit file/report ( i.e. Experian, XXXX, XXXX XXXX regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) account XXXX. 

c.Re : Adjustment of credit score ( s ) based on the removal of 30-day late & negative remark ( s ) from XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account XXXX credit file/report ( i.e. Experian, XXXX, XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

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

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In the process of my divorce in XX/XX/XXXX my ex insisted that as I was to be awarded the home the mortgage was to be in my name. 
The home was refinanced through XXXX under the guise that it would be in my name only. My ex told me years later he knew before signing the documents it would not be in my name as I had no credit or employment history at the time. I wasnt aware of this until after the final papers were signed. 
The mortgage was taken out after we were legally separated but before the final divorce documents were signed. 
His name is the only one that shows on the paperwork, ( loan documents ) but I show on the Deed of Trust and he quit claimed the property to me. Our divorce decree awards me the home but is silent about the loan, there is a remedy for breach for undisclosed liabilities in the divorce. 
I attempted to apply for a loan modification in XX/XX/XXXX and XXXX refused to talk to me as they said the loan was not in my name. 
My ex said they would not modify it because he did not live in the home. 
When it was taken over by XXXX I obtained permission to speak to them from my ex and we both participated in the initial modification process. This drug out and he eventually refused to continue to be involved and they told me I needed to apply for an assumption, so I did and this drug out until it was transferred to XXXX and sale dates came and were postponed, paperwork lost ... same story everyone has. 
The loan was transferred to Shellpoint late XX/XX/XXXX and I submitted a new package as they requested, resubmitting the quit claim 3 times. When I called to make sure all the paperwork was acceptable they refused to talk to me. They said my ex told them I was not to be allowed to submit a modification package and they were not to speak to me and the home was to be sold. 
I was told that I was not on the physical loan. 
I sent Loss mitigation an email stating that I was on the Deed of Trust and held the quit claim that there must be an issue with the documents and I want to see the note. 
I am the owner of this property and should have the modification package accepted. 
In response, I received a letter addressed to my ex saying I contacted them and they are refusing to communicate with me. 
The house was to be sold XX/XX/XXXX I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the sale date has been postponed until XX/XX/XXXX.
Product: Credit card or prepaid card

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 The above is the original compliant and request for assistance. I called the company regarding paying off my account before vacation in XX/XX/2018. I learned that there was an overpayment in the amount of {$700.00}. I was sent a check for that amount. During the next billing cycle, I notice that {$700.00} was posted to my account as a sale and included in my bill. I called to dispute this and to date there is no resolution with regards their clerical error. The amount is shown as + {$700.00} sale. I spoke with several supervisors at least twice monthly and asked that the amount disputed be removed. I have stopped using the card and paid all but the {$700.00} that was added to my account. XX/XX/2018 {$23.00} interest charged XX/XX/2018 {$19.00} interest charged XX/XX/2018 {$16.00} interest charged XX/XX/2018 {$27.00} late fee charged XX/XX/2018 {$17.00} interest charged I called again regarding the posted charges and a supervisor assured me that since there is an ongoing dispute the charges would be removed. However they are still posted on the account. Pleas help me with this dilemma. Thank you in advance.
Product: Mortgage

We originated a refinance mortgage with M & T Bank, settling in XX/XX/2020. During the origination process ( which took almost 3 months ) we received our appraisal and immediately questioned the value, which was low, and pointed out that the appraisal had factual inaccuracies that caused the value to be low. We were told by our originator that there was nothing we can do. The low value caused us to have to pay PMI of XXXX {$200.00} per month. We reached out to the Bank after closing and asked to have the mortgage insurance removed, and were sent a form to fill out which also authorized the payment of {$550.00} for a new appraisal. We authorized the charge, and a new appraisal was performed on XX/XX/2020 for an updated value that we felt was accurate, and lowered our Loan To Value to below 80 %. However, our request to remove the mortgage insurance was denied because we have not made at least 24 payments, and because the increase in value was due to market appreciation and not repairs or enhancements. 

This is completely unfair to us as consumers. First, when speaking to the bank we were upfront that the request was for a new appraisal due to errors in the original appraisal. We were never informed of a requirement that the loan must be seasoned for 24 months and requires improvements to the property. Second, the whole reason for doing this soon after settlement is that we were told we have to accept the value of our initial appraisal, even though we pointed out numerous factual inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Transunion did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified XXXX and all of the XXXX XXXX XXXX inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXX OF XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.