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

I have for months disputed erroneous information listed on my credit file to Trans Union. I asked for a 'description of procedure'/ 'method of investigation ' from them but all I ever received back from them was, 'verified as accurate and updated, dispute not specific/verified and updated '. They have never given me a clear explanation, description of procedure or method of investigation as I asked. 

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to Trans Union 'the item was verified as belonging to me and other account information has changed, or the item was updated to reflect recent activity '. I even sent them paperwork XX/XX/XXXX & XX/XX/XXXX showing where XXXX had deleted this because they couldn't verify/validate with evidence and Trans Union still refused. This is in clear violation of the FCRA. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; What I think they are doing is not reading what I am sending in because they think this is some kind of form letter. I'm not sure why they are not looking at clear evidence and not doing their job. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it. 

All this correspondence I will be including for you as well. I had fraud on my account due to multiple social security numbers that were listed on my credit file with XXXX. I am including the letter I had asking them to remove that as well.
Product: Money transfers

I used Paypal services to transfer money to my son, as I have done in XXXX other occasions. I was fully expecting to have the funds taken out of my bank account ( as Paypal has this information on file ). 
This transaction occurred on XX/XX/XXXX and I erroneously assumed that the transaction went through as before ; but, on XX/XX/XXXX, I received a call from a PayPal representative, stating that I owed them for the original amount processed plus a fine for non-payment. 
Upon further discussion, I learned that the money was not taken out of my account, but rather a PayPal Credit loan was used to proceed with the transaction, this totally unknown to me. I have asked the PayPal Credit representatives for an explanation as to how this happen, all I have learned is that I owe the money, how do I want to pay for it. 
It is very frustrating and most deceiving, I wanted to let someone know, so others are not snarled into this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Product: Debt collection

XXXX XXXX XXXX ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a debt collector the debt collector must cease all communication. They have been calling after business hours and sending multiple letters in the mail. They removed this collection from my report in XX/XX/year> then added it back. The Fair Credit Reporting Act ( FCRA ) prevents credit reporting agencies from adding back information that a consumer has disputed and had removed from their credit report. I have attached the screenshot the week it was removed. The collection company name is Conserve. Account number is XXXX.
Product: Payday loan, title loan, or personal loan

I had to get financing for my brother 's car to get the brakes fixed. Well two weeks later the brakes went out again. I took the car to a different auto shop and got them fixed for {$400.00} instead of the amount of the loan which was way more. A year later the car was stolen and was found burnt. I refuse to pay for a car that was stolen and the repair work that was faulty. I feel that I was over charged by the original repair shop.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXThe information listed below, which appears on my credit report, is the result of that XXXX  : HARD INQUIRIES : XXXX Inquiry Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the FCRA.

Please send me notification of the actions taken.

I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. 
I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and my credit has been affected in a negative way. Attached are accounts, dates and amounts that Im referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 our Experian Credit Report indicated a score of XXXX, everything on our file indicating a good payment record. XX/XX/2020 we received an e-mail from Experian indicating our score had been changed downward. Further investigation found our score had diminished by 22 points which we felt was exorbitant. Calling and upon further investigation we found the reason was due to the following. In XXXX,XX/XX/2020we were inundated with e-mails and calls from various lenders regarding refinancing our home mortgage due to the decrease in interest rates. We worked twice with XXXX XXXX XXXX XXXX XXXX, with whom we have our present mortgage, and at least one other lender regarding refinancing. We concluded it would not be to our advantage to refinance because it would take about 5 years to just recover the approximate closing costs of {$5000.00}. None of the offers were acted upon yet our Experian credit score was very negatively, and we believe unfairly affected. 
We are including an attachment of our XXXX  Credit Report of XX/XX/2020 which is XXXX, only a 3 point difference from Experian 's Report prior to the downgrade. 
Our complaint regarding the mandating of two years for these inquiries to be held on our credit report is totally unfair due not activating any of the loan inquiries. It's as if we were penalized for shopping for the best refinancing terms available. That, in our opinion, is anything BUT Consumer Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THESE FOLLOWING INQUIRIES .... 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

Last week I sent you a complaint about the way Mr. Cooper is handling my loan with conflicting information. They responded to you with a letter apologizing for giving conflicting information, followed by claiming they did no wrong. 
They stated that the payoff is due. They also stated the reason it was due was that once remaining interest bearing balance was paid the remaining non interest bearing amount becomes due. 
On XX/XX/XXXX Mr. Cooper received the amount of the interest bearing balance, plus escrow as stated on the statement which I previously sent you. However, for some reason, THEY HAVE REFUSED TO APPLY THIS MONEY TO THE ACCOUNT ( please see payment ledger ). 
Today, XX/XX/XXXX, I found on my account a letter dated XX/XX/XXXX ( I believe they promised this by XX/XX/XXXX ) with the payoff quote. It also showed that the interest bearing amount would be charged interest until the payoff was received. I found this accidentally, I assume they mailed it yesterday and I should receive it by XX/XX/XXXX, it states I must pay it by the XXXX by Certified check or wire transfer for the payoff to be valid. 
This is not an issue of the amount of interest they will be charging, that is negligible. These people sent me a check for XXXX cents recently. I haven't cashed it. I will use it to show how fouled up these people are. 
I don't know why the money I sent them is not being applied but it concerns me, once again, if these people have a clue as to what they are doing. 
I would still like to know how they can demand the payoff, which is due when the interest bearing amount has been paid, when they refuse to apply the money already sent to them to the account to pay off the interest bearing amount of {$80.00}. 
I have sent the {$270.00} which they have not applied. They are now demanding {$6000.00} by the XXXX, that letter I assume will arrive, as I said, by the XXXX. 
I just want to make sure that Mr. Cooper will properly apply the money sent and refund my balance immediately. I no longer trust Mr. Cooper to handle this properly.
Product: Student loan

For several months now, EdFinancial has been rejecting my payments on my student loans, even after their website saying I was overdue for a payment. I submitted a payment for the overdue and current due amount, they rejected the payment ( though my bank account had the money in it ) and when I called customer service, they insisted that it was because the banking information I had saved in my account was invalid, when the information hadn't changed and had been used to pay off a previous student loan with them. Now, their website won't even let me log in to view my loan details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sorry I had to come to this point, but I have been disputing inquiries with Equifax for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX XXXX- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with XXXX  and experian, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 {$800.00} was sent to my CashApp account. 

When I attempted to log in I was unable to access the account. After speaking with customer service they advised me to set up a new account and then they would be able to assist. 

Using the same phone number I created a new account. However, I still can not access the funds from the original account and customer service will not respond. 

There are now two accounts set up with the same phone number, one of which has {$800.00} I can not access. 

I am unable to speak to an actual person as they will only respond via an automated chat.
Product: Debt collection

{$940.00} XX/XX/2021 To Garnish wage, but i am not currently working and have not receive and proof of contract of debt owed.
Product: Student loan

I contacted the loan company ( XXXX XXXX XXXX ). in XX/XX/XXXX and XX/XX/XXXX. I was hounded by the company to sign my son up for student loans. when I was told that my son could not sign for the loans. I was told when I signed that this was a federal loan program using state money and that upon graduation the loans would rollover into the federal loan program and my son would sign for the loans and I would not be the co-signer. They Lied. When I signed the note in XX/XX/XXXX I asked for a copy of the documents. I was told that they would send them to me. XXXX   XXXX XXXX did not send me a copy. 
I made payments on his loans until XX/XX/XXXX, when XXXX XXXX XXXX sent me a letter telling me because my son had received a XXXX XXXX degree in XX/XX/XXXX, they would not except further payments because in the contract I signed, but never received a copy, there was a clause that if the student received a XXXX XXXX degree the loan would be for 11 years instead of 20 years. I asked for the paperwork for the change in the contract and an accounting of what I owed and a payment schedule. I never received that accounting and payment schedule. 6 months after I received the notice to stop payment I was told that I was in default. I called many times between XX/XX/XXXX and XX/XX/XXXX and I received many phone calls all with the same nasty message that if I did not pay in full they would ruin my credit.XXXX XXXX XXXX never sent me an accounting of my debt. 
XX/XX/XXXX I was working for the XXXX XXXX with a XXXX XXXX clearance. I have had credit since XX/XX/XXXX and never defaulted on any loans. the end of XX/XX/XXXX I had an interview with clearance personell. XX/XX/XXXX I was told that I had until XX/XX/XXXX to fix my credit problem. I call XXXX XXXX XXXX to resolve the problem with the same nasty people threathing me and my family. I retired because XXXX XXXX XXXX ruined my credit and I was unable to work because I lost my XXXX XXXX clearance. In in XX/XX/XXXX I received summons papers from an attorney representing XXXX XXXX XXXX. My original debt was around {$74000.00}. The summons has my current debt around {$200000.00}. To this date I have not had an accounting on the co-signed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX Balance : {$670.00}
Product: Checking or savings account

Wells Fargo illegal refused to close an account and FORCED me to travel hundreds of miles to a branch to show up " in person '' AFTER having everything they were required to have to close the account. Their only " reason '' for making me appear in person was to sign an internal form that was not required by law! 
They refused to reimburse me for my travel. 
They illegally held the money for over a year!
Product: Debt collection

Ive received a letter stating I owe XXXX a {$100.00}. The company American Coradius International LLC.XXXX stats I can pay a reduced amount of {$75.00} that XXXX is willing to accept. Ive searched online looking into this company and they have terrible reviews of scamming people saying they owe money. I havent reached out to XXXX but from what Ive read XXXX doesnt do business with this company. All my XXXX accounts are current or paid when making any purchase. I dont have a XXXX credit card either. This company needs investigated and shut down before anyone gets taken advantage of.
Product: Mortgage

Hello, I am a retired XXXX professional living on Social Security with a budget that handles us from payday to payday. My issue is with the cancellation of PMI on my mortgage. The mortgage was with XXXX beginning in XX/XX/XXXX. In XX/XX/XXXX an auto accident led to my getting a couple of months in arrears on the mortgage to pay for the next auto acquisition and related fees. In XX/XX/XXXX XXXX notified me that my mortgage had reached a point that my PMI would cancel once my payments were current. In XX/XX/XXXX XXXX transferred the servicing of my mortgage to Bayview Loan Servicing and they began foreclosure on the property. I managed to acquire a loan that I used to get my mortgage caught up in XX/XX/XXXX. Since then I have been in contact with Bayview several times regarding this issue. Each time the response states that I do not have a twelve month history of on time payments. 
Attached are several supporting documents. Thanks for being there to help us folks out. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE or a request for information related to any previous dispute so section 12 CFR 1022.43 ( f ) ( ii ) does not apply here! This is a request for the 1099C that was filed with the courts by law I had/have a legal right to receive a copy of the 1099C document filed on account XXXXXXXX by mail I never received a copy ( My previous disputes has been to acima are repeatedly reporting c/o every month in the payment history acima stated they can do that by law then I disputed the fact that anima was reporting the wrong amount in original balance section acima stated they are reporting correct and I requested information of the amount c/o on account and acima responded by sending me the last billing statement on account which I never requested any billing statement ) acima have been avoiding sending me the information I have actually requested. SO THAT I'M CLEAR THIS COMPLAINT IS FOR A COPY OF THE 1099C FILED A MISSING DOCUMENT FROM MY RECORDS THAT I NEVER RECEIVED AND HAVE A LEGAL RIGHT TO HAVE RECEIVED!
Product: Credit card or prepaid card

XX/XX/2021 chase bank denied me credit which is not possible being that Im the original creditor stated under 15 usc 1602
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid in full. Note letter dated and signed showing this account is no longer in collection status but PAID IN FULL.
Product: Credit card or prepaid card

On XX/XX/2022, someone attempted to open a Chase credit card in my name.
Product: Credit reporting or other personal consumer reports

I Have 3 Unauthorized Accounts On My Experian Report. ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), And, ( XXXX XXXX XXXX ). XXXX XXXX XXXX. Was Already Deleted Months Prior To Being Placed Back On My Credit File 1 Month Ago. 1 Have Filed Over 4 Disputes On The Same Company Account XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX Account Appeared Out Of NoWhere And Is Also A Fraudulent Account Placed On My Credit Report Due To Identity Theft. I Have Provided Sufficient Evidence Supporting My Dispute Including ( Police Reports, Federal Trade Commission Identity Theft Reports And Also A Couple Of Names Who I Think Was Doing The Fraud And Opening Fraudulent Accounts In My Name. Fraud Alerts Have Been Placed On My Account And They Dont Alert me If Someone Is Trying To Use My Info. I Have To Look On My Credit Report To See These Unauthorized Items Before Experian Send Me Alerts Later On. They Refuse To Remove These 3 Items From My Credit File. This Is Very Frustrating. I Am A Victim Of Identity Theft. I Should Not Be Punished For Someone Else 's Wrong Doing. They Refuse To Remove These Accounts. All They Keep Doing Is Updating Them And Resolving The Issue By Deleting Them. The Fraud Specialist Agents I Talk To Keeps Giving Me The Same Run Around When I Call and Not Resolving The Issue. This Is Terribly Affecting My Credit Score.