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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up an account with Alphaeon credit and did not have issues until recently and noticed notifications on my payments being past due. 
My first months I made by manually paying and then called to set up auto payments. It wasnt until I set up auto payments that I began to see late payment notifications. 
I called the company a month ago ( XXXX ) to fix this and was told not to worry as I was now set up for automatic payments. Today ( XX/XX/XXXX ) I received a past due email notification and was told over the phone I am not set up for automatic payments. 
This miscommunication has been ongoing for months and now has tanked my credit score.
Product: Credit card

Im trying to access my reward miles and convert them to one of the airlines that is included in the transfer program. Been having trouble logging in as it asks for verification code from my mobile phone number. However it says the phone number is not associated with account. Called a customer rep 2 separate times to confirm that the number is correct ( has been correct ever since ). They sent me to the online tech support team and they said that theres nothing they can do, it is up to the system to be able to log you in with the verification code. No one can override it. That is ridiculous. 
This isnt the first time, others have the same issues, Ive read posts from customers online.
Product: Checking or savings account

I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.
Product: Credit reporting

All XXXX Credit bureau will not investigate legal activity submitted by XXXX ... They are reporting incorrect and criminal information ... problem part of them opening accounts with out permission.. I dispute with the credit bureaus and all they will send back is XXXX said ... if they are wrong and will not admit it how can they actually fix it ... XXXX can not be trusted but for some reason they get the final say in a dispute ... and the credit bureaus will not even let me dispute further or even give me an y info be sides what XXXX submitted ... why will they not hear my side ...
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CKS FINANCIAL THIS IS REPORTING ON MY CREDIT REPORT AND THE INFORMATION IS INACCURATE, I NEVER HAD THIS ACCOUNT IT WAS REMOVED OFF MY REPORT AND RECENTLY ADDED BACK ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX  PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXX  XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.
Product: Credit reporting or other personal consumer reports

JPMCB CARD                          I DEMAND THIS INQUIRY BE REMOVED IMMEDIATELY  
Important dates
Inquiry date
XXXX XXXX XXXX  Removal date
XXXX XXXX
Additional details
Business type
Bank Credit Cards
Contact info
Address XXXX XXXX XXXX XXXXXXXX
Phone number XXXX XXXX
Product: Credit reporting

inquiries were removed and added back without proper notification and it 's against FCRA.
Product: Debt collection

Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
Product: Mortgage

I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy
Product: Student loan

Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. 

Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. 

Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. 

I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. 

After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING Date opened XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

Bayview Loan Servicing , LLC bought my mortgage from XXXX, since after the transfer, the employees from Bayview always try to over charge me. When I called them to discuss a charge that they imposed on my account, they can not give me any answer, they try hard to get me confused so that i will not have no choice but pay the amount they ask me for. they don't know how to fix any problem. couple months ago they asked me for proof of hazard insurance. I emailed that to them since XX/XX/2019, then called to make sure the document was received. Even though after they received it, no one cares to update my file instead they sent me a bill of {$550.00} escrow shortage. they pay my taxes of {$460.00} they misused my escrow money so that they can over charge. my escrow money should not be used to pay for hazard insurance because the insurance is paid by my HOA. I sent Bayview the proof of hazard insurance, they still demand that I pay extra.
Product: Mortgage

Shellpoint Mortgage has refused to refund late fees ( 2 ) and a property inspection charged in error. They responded to a previous complaint # XXXX, claiming that all would be corrected. However, as of the date of this writing there has been no refund to me or the account. I have made multiple calls to the person who wrote the response with no response.
Product: Credit reporting or other personal consumer reports

I noticed two hard inquiries on my credit report from Capital One Bank USA, dated XX/XX/XXXX and XX/XX/XXXX, both from the same address : XXXX Capital One XXXX XXXX XXXX, VA XXXX. I do not recall authorizing or applying for credit with Capital One at either of these times. I am concerned that these inquiries may have been made without my permission or for purposes I did not consent to.

I request that these inquiries be investigated and removed from my credit report if they are found to be unauthorized.
Product: Vehicle loan or lease

I am party Borrower in a consumer credit transaction with the institution as LENDER. The institution has an apparently violated the truth in lending act by disclosing a grossly inaccurate APR and finance charge on the institutions provided settlement disclosure. I calculated the APR and came up with 15.4 % wow the disclosed APR is 24.99 % making the disclose APR overstated. I calculated the finance charge and came up with {$18000.00} while the disclose finance charge is {$11000.00} making it understated. This loan Was taken out XX/XX/year>.
Product: Credit card or prepaid card

Per FACTA and the Furnisher Rule, furnishers have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number #, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Case Number : XXXX and XXXX Original Credit Card Ending in XXXX same account as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit of Fact on XX/XX/21. EQUIFAX has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. EQUIFAX did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am completing this complaint on my own with no assistance from another party. I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.