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

Dear CFPB, Under the Fair Credit Reporting Act, it is imperative that my credit report is 100 % accurate. I am filing a complaint against TransUnion for failing to maintain accuracy. 

Despite their claims of proper investigation, TransUnion continues to report inaccuracies in my credit report, including the open date, date last active, and date last reported. This warrants removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent. 
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX ** TransUnion reports a date opened of XX/XX/XXXX and a high credit of {$400.00}. In contrast, XXXX shows different dates and amounts. 

For XXXX XXXXXXXX, ** TransUnion reports a date opened as XX/XX/XXXX, a term of 15 months, and a last reported date of XX/XX/XXXX, which do not match other bureaus ' records. 

Despite multiple disputes, TransUnion continues to report incorrect information. I have attached a copy of my credit reports for your examination. If these inaccuracies are not corrected within 15 days, I will proceed with legal action.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. Please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed 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 n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

paid XXXX dollars down payment for a home through XXXXXXXX XXXX  XXXX XXXX and vanderbilt mortgage. found out i could not get the home. asked for a refund and they keep giving me the run around saying it is corporate 's fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma had a offer that say I would be fine but preapproved for a loan and three different hard inquiries put was put on my report dorming my credit score by XXXX points. Then they stated that I was not eligible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that they are reporting as delinquent when they are no longer delinquent and haven't been for many years which is causing my score to be lower. They are having inaccurate information for the status of the accounts are there are no current accounts are are reporting late or anything. The 3 credit companies need to update my report to show accurate information that no account is currently delinquent or behind on payments. Below are not true or accurate at all. They are in violation of federal law and are refusing to help me. 


XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - TOO MANY INQUIRIES LAST 12 MONTHS XXXX CLASSIC ( XXXX ) - XXXX XXXX XXXX XXXX XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY XXXX - TOO MANY CONSUMER FINANCE COMPANY ACCOUNTS XXXX - TOO MANY INQUIRIES LAST 12 MONTHS FA - INQUIRIES IMPACTED THE CREDIT SCORE XXXX, XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX - XXXX SCORE : XXXX XXXX - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED 18 - NUMBER OF ACCOUNTS WITH DELINQUENCY 14 - LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
Product: Debt collection

I am not familiar with this company. They have called other people in my family to try to communicate with me. They have also left voice mail messages with those family members informing them that I will be served papers and to let me know. I believe that it is illegal and harming to me and my family to leave voicemails for me on other people 's phones. If the matter is for me, no one else should know my business unless I share it with them myself.
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report. This account is inaccurate, fraudulent, and continues to negatively impact my credit. Despite my efforts to resolve this issue directly, it remains unresolved. Therefore, I request an immediate investigation and the removal of this account from my credit report, as it does not reflect accurate or lawful information. 



I believe the reporting and handling of this account violates several federal laws, including but not limited to : XXXX. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information Financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing the consumer with the required disclosures and the opportunity to opt-out. In this case, there is no record of such disclosures or opt-out options being provided to me. The transfer and sharing of my personal information without consent or proper notification is a direct violation of this statute. 

XXXX. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Under this statute, consumer reporting agencies may only furnish a consumer report when authorized by written instructions from the consumer to whom it relates. I have not provided written consent or instructions permitting this account to appear on my credit report. As such, its inclusion violates this section. 

XXXX. 18 U.S. Code 1028 - Fraud and Related Activity in Connection with Identification Documents The unauthorized use or transfer of my personal identifying information constitutes a form of identity theft. By transferring and reporting this information without lawful authority, the institution responsible is in direct violation of this code. 

XXXX. XXXX8 U.S. Code 1028A - Aggravated Identity Theft The improper use of my personal information in connection with this account is a serious offense and demonstrates clear negligence or willful misconduct. 



Additionally, I have repeatedly requested that this company provide documentation to verify their ownership of the account, such as the purchase agreement, as well as any signed documents or other proof that this account belongs to me. To date, I have not received any of the requested documentation, which further calls into question the validity of this account. 



This collection account is being reported in error and must be removed immediately. I request that your agency conduct a thorough investigation of this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and provide me with a written response regarding your findings. Should this issue remain unresolved, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies. 



Thank you for your prompt attention to this urgent matter. Please provide confirmation of receipt of this dispute letter and keep me informed throughout the investigation process. I look forward to your swift resolution.
Product: Credit reporting

I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.
Product: Mortgage

To Whom It May Concern : I am writing regarding a reverse mortgage loan I obtained through XXXX XXXX in XXXX. I borrowed approximately {$60000.00} and began repaying the loan in XXXX. Due to the rapid accrual of interest, I transitioned to a traditional mortgage loan with XXXX XXXX XXXX, which allowed me to better manage my finances and retain my home. The reverse mortgage loan was closed on XX/XX/XXXX with a payoff quote of {$270000.00}. 

Years later, I contacted XXXX XXXX for assistance, as I had done on XXXX prior occasions, to inquire about possible relief options for the loan. During the last interaction, a representative informed me that a letter had been sent to my home years earlier, offering interest-free repayment terms. However, I never received this letter. This situation continues to trouble me, as it leaves me questioning how much I might have saved had I been informed of this opportunity. 

Given these circumstances, I respectfully request an investigation to clarify the following : Was an interest-free repayment letter sent to my home? If so, when was it sent, and to what address? 
A comprehensive review of the payments I made on the reverse mortgage loan to determine how much interest was paid that could have been avoided under interest-free terms. 
A review of the documents I signed when initiating the reverse mortgage loan, as I am concerned about the possibility of irregularities or misrepresentation in the documentation. 
I trust you understand the significance of this matter and the financial impact it has had on me. Please confirm receipt of this letter and provide an estimated timeline for your investigation. Should you require any additional information or documentation from me, I will gladly provide it. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

Wakefield & Associates is trying to scam me out of money after my health insurance had already settled with them for services in XXXX of XXXX. The medical company tried to scam me & my insurance company for the services they provided. Insurance company settled with the medical company but the medical company attempted to extort money from me. Now, Wakefield & Associates is attempting to scam me by saying the account is in Collections. Never got anything from them saying I owed them money or anything of that nature. This is malicious & now ruining my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX failed to report score along with bureaus accurately
Product: Credit card or prepaid card

Bloomingdales AMEX card : Attempting to close this card. Toward that goal, on XX/XX/XXXX I instructed my credit union to pay off the balance of {$68.00}. Bank records show the payment was made to AMEX on XX/XX/XXXX, six days prior to the beginning of the card 's next billing cycle. Next monthly statement I received showed the {$68.00} as " overdue '' and a new {$40.00} " late fee '' added by the company. I have disputed this and provided proof that the payment was made by the credit union on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX representing Bloomingdales AMEX with false claims that there is insufficient evidence of the XX/XX/XXXX balance transfer. Bloomingdales AMEX has acknowledged the balance transfer by deducting the {$68.00} but has kept the erroneous {$40.00} " late fee '' on my account. I have sent to XXXX XXXX by certified mail further proof provided to me by the credit union, attached here as well, that the {$68.00} was paid by the credit union on XX/XX/XXXX, and that Bloomingdales AMEX did NOTHING until XX/XX/XXXX, thereby creating the delay for which they now expect me to pay a late fee. I have demanded that this false information be removed from my account and that the account be closed ; so far the company has ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 4-5 years, I have filed all the proper forms, via certified USPS mail, notarized, and still incorrect information of all types litter my credit report. I have used phone calls, email, USPS and nothing gets corrected. I have been part of the Equifax data breach, I can not access online account, I was unable to update utilities to my married name this month because of the trouble and I can never get a credit report online. I have all the documents saved as well as receipts.
Product: Debt collection

Hi XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ca XXXX account number XXXX. I have and I have a collection on my credit report that I have no knowledge of and this is a violation of my privacy. 

Please remove account immediately I had no clue of this account. 

I have never done business with this company or any company I dont owe.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items that need to be disputed : Experian : 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 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 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: Mortgage

I have a HECM Reverse Mortgage. Company who serviced ( XXXX ) declared bankruptcy and was taken over by Carrington Mortgage. My house flooded XX/XX/XXXX and we were in a hotel for months and are now in a house. My insurance company has issued checks to pay for the repairs so we can move home. ( By the way, my husband is XXXX and in a XXXX ) The insurance company has given me until XX/XX/XXXX to vacate the temporary housing and move BUT SINCE CARRINGTON HAS REPEATEDLY, FOR MONTHS, TOLD ME THE CHECK IS IN THE MAIL, AND IT HAS NOT BEEN, I AM SCARED TO DEATH MY FAMILY WILL HAVE NO WHERE TO LIVE since I have not received XXXX XXXX of the XXXX they are sitting on. I have been told I would receive calls ( more than one ) back from management, but NO ONE has EVER called. Nothing but dead air and speaking with a call center employee reading from a script.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I Demand to remove the following accounts immediately. 
XXXX. XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from the " law offices of Messerli and Kramer '' on what looks like official letterhead. They inform me that my account with XXXX XXXX has been placed in their collections, I have a court file number, and a file number with their firm. If I choose to pay in installments, I can via their website. They also take checks written out to XXXX XXXX XXXX, but insist I mail it to their firm. 

Additionally, they say that " IF YOU DO NOT EXPECT TO RECEIVE YOUR TAX RETURN IN TIME TO PAY THIS DEBT, we are willing to work with you. '' I made the mistake of trying to find a legal firm in XXXX, MN and putting in the information they have from the letter they sent before realizing that it's probably a scam. After contacting XXXX  XXXX directly and speaking with their fraud expert, I have found out that there is no such account attached to any name I have ever used and that if I was in collections on a XXXX  XXXX account, they would have sent me mail directly. 

The weird part is that the legal firm does exist, it does an excellent job of looking and acting like a law firm. I'm pretty good about spotting scams, but this one is over the top in making it seem legit. 

Talk to the company named in the lawsuit. Their fraud department helps for free with no legal fees. It will save you a lot of nightmares.
Product: Credit card

Ashley has been charging me a " paper statement '' fee of {$1.00} since XX/XX/XXXX- XX/XX/XXXX. The problem is that I have had paperless statements since XXXX. Of note, I started receiving a paper statement in mail in XX/XX/XXXX, which is when the fee started Ashley decided to charge the fee. This is FRAUD. Ashley started sending me a paper statement so that they could charge the paper statement fee, despite me having paperless statements since XXXX. My concern is that they are likely doing this to thousands if not millions of customers and those customers, might not notice the fee. So, Ashley will be free to defraud their customers. {$1.00} does not sound like a lot but if a company makes a conscious effort to defraud millions of customers, then it adds up.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I commissioned someone to make an animated video of my characters. I had reached out XX/XX/XXXX and received no response. After continuous checking of their PayPal, XX/XX/XXXX I discovered they have blocked me on PayPal. I paid half the full price and was going to pay the rest once they had completed the commission. That day never came.
Product: Mortgage

Payments are not being applied the same way they were in the past since my loan has been purchased and moved on. ( I have not refinanced )
Product: Checking or savings account

On XX/XX/2024 I received a text with a confirmation number to access an account with Chime, even though I have never attempted to open account with this bank. When I called in to report fraud, I was told that someone accidentally used my phone number and the issue was resolved. A few hours later I received a marketing email from Chime, again I called in this time was told that someone accidentally used my email to open an account and that my email would be removed. Shortly after hanging up I received a email to set up a password for an account. I then again called back in, I was told the same information from chime from the previous call about my email being used. There appears to be someone using my unique email and phone number to open account and there is nothing else Chime is doing to look into this or monitor.
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting
Product: Credit card or prepaid card

XX/XX/2018. {$3000.00} charge to XXXX gift cards XX/XX/2018. {$36.00} charge to foreign purchase transaction fee XX/XX/2018. {$1200.00} charge to XXXX XXXX XXXX XX/XX/2018. {$4.00}. Charge to XXXX XXXX XXXXXX/XX/2018 {$4.00}. Charge to XXXX XXXX XXXX I spoke to the issuer of this card today, XX/XX/XXXX and they will start a fraud case. These amounts will be on my statement until this has been resolved, which could take 60 days. These are not my charges and Im ready to close this account. This credit card never leaves my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,