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

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX  via CREDIT CONTROL for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was co
mplete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Student loan

It has now been nearly 8 months since I submitted my PSLF application. Mohela confirms I have made more than the required 120 payments however they have failed to discharge my student loans. This is absurd and unacceptable. Payments will soon be resuming and I would appreciate it if Mohela could finally take some action on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loans with Sun Loans in XXXX NM and only authorized them to pull my credit report once when I applied for my loan. Today I reviewed notification they pulled my credit report without my express approval as I did not apply for a loan today.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX account XXXX for XXXX, Experian, and XXXX has 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect.

( iii ) it states that no changes should be made to a charged off account.

I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in Board where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them.

Thank you in advance
Product: Mortgage

In 2016 Wells Fargo called and offered forbearance said i would have a length of time to back it back then received a call telling me my mortgage was behind .i need to pay a lump sum i didn't have money my home was placed in foreclosure. Then Well Fargo transferd my morgage to XXXX XXXX XXXX with a deferred payment of XXXX added to my mortgage. Then my mortgage has been transferd XXXX times with that deferred payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit and I returned all their equipment and sent my watch and phone back to them and they have yet refunded me! When I inquired about my refund this is when they turned the table around! I have called, sent over XXXX emails and nothing has been done! Now they reported me on my credit report! XXXX has ruined my credit and possibly my JOB. 
I am requesting that the account in questions to be deleted from all my credit reports immediately. I have sent multiple requests and validation letters to the company. They have failed to respond. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I was a victim of fraud. I received a text message from my bank asking if I was attempting to make a purchase as they were believing it was fraud. I responded I didn't make the purchase. After the text I received a phone call, from the number on the back of my debit card. The man identified himself as a member of the Chase fraud department. They reviewed the purchase they had text me about and once again verified that it wasn't me. They said that they would stop the charges as they were still in a pending state and that the money would be refunded to me the following day. They then talked to me about security measures to take on my account. By the end of the phone call I noticed that {$5000.00} was gone from my account. The next day {$5000.00} more was taken. Both amounts were taken via a XXXX transaction and the notes on the debit line had my name, so it looked like I transferred money to my own account. I hadn't even set up XXXX with my business account. Someone had hacked my password, entered my bank account, set up XXXX with their phone number and transferred funds. Whomever the person I was speaking to was in my account as they knew transaction amounts and the total amount of money in my account without me saying anything. Again, this is why I believed that it truly was my bank. I alerted the police. They advised me to work with my bank and that they would do what they could to help, but that Chase bank isn't helpful with police and often use the phrase that they can't give out any information due to protection of the clients. I immediately called Chase bank and they confirmed that they had no notes in their system of a phone call and they also alerted me that Chase bank doesn't text it's members ever. For the next week I spent countless hours calling Chase bank, being transferred to numerous different people. Each of them all told me different things, but it all came down to they blame XXXX and XXXX says its the banks issue. I called XXXX and they wouldn't help either. I called a local Chase branch and made an appointment with a local advisor for XX/XX/2021. She was very sympathetic and agreed that I wasn't in the wrong and that this needed to be escalated to a supervisor. She said she would do that and follow up with me the next day. I never heard from her again. I also emailed her on XXXX XXXX, 2021 to check status and she never responded to that either. I have begged, pleaded and told my story to 20+ people whom work for Chase Bank and none of them helped me in this situation. They said it was my fault even though I wasn't the one who set up the XXXX account or authorized any money to be transferred to any accounts. I was a victim of fraud in the amount of {$10000.00}. As a XXXX XXXX XXXX who at the time had only been open for 2 years, this is a huge loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00}
Product: Mortgage

This is a mortgage loan serviced by XXXX/Loancare. I am required to maintain an escrow account to pay for property taxes and homeowner 's insurance. The homeowner 's insurance is billed directly to XXXX/Loancare. When contacting XXXX/Loancare by phone, customer service agents claim that it was never received. Between multiple conversations with customer service agents, I have submitted the invoice electronically 4 separate times. Payment is due now and XXXX/Loancare claims that the invoice can not be paid until such time that there is an invoice to pay from. Please be clear that XXXX/Loancare has received this documentation 5 times during the past 6 weeks. This has happened in the past and XXXX/Loancare adds very expensive insurance to my mortgage claiming that I as the homeowner has allowed the insurance to lapse.
Product: Mortgage

We were working with a company called XXXX who I looked into and was a good company.we received a letter from calliber who is our current mortgage company that said we hate to see you leave Give us a chance to beat so we called them and were being taken care of by XXXX XXXX who was a license home loan accountant from caliber. She was able to do the loan for us turned around and got fired after she explained to us we didn't have to make our payment it went 30 days long she got fired I got screwed. I have never been late on any payment ever on twenty years. I would not of never been late if she didn't tell me to. She said worst that would happen is I would have to take late fee. The appraisal was completely done bug inspection was completely done She instructed us not to make payment XXXX has ruined my credit score. Cause me to practically go bankrupt. And has caused me to not be able to get a VA cash out. If diamond didn't do nothing wrong why would they let her go. I can't understand how they can get away of running XXXX veteran. Which I suffer from XXXX. The say phone calls are recorded but they control which ones they use. There is a website that XXXX XXXX could of looked up our appraisal that was completely finished She never did.it is a va website all company use. The date is on the report when it was completed. We also electronicly signed all papers we were suppose to. Everything they told us we did She choose to get off rival company we were going to use. They are not responsible anymore Once I completely signed all close Ing papers. The loan number is XXXX. XXXX XXXX works someone else But reluctant to be apart anything with caliber or her. But calliber is trying to lie to cover mistakes They are trying to cover fact they made major mistickes. And it has ruined my credit and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling exquifax daily trying to get my credit file correction it was another flie with the same social security number as mine I had been asking them to fixed the issue they said it takes 24/48 hours to fix the fraudulent information on my file I have proof recorded conversations they are rude and disrespectful and I'm the one that can't apply for anything because of their mix up that had been on my files for years I have proof of the two mixing credit report I just want my information to be corrected I did file a FTC report several times because of the mess they are very unprofessional and don't care for the consumer reports.
Product: Credit card or prepaid card

sears.com refuses to credit full amount for their 30-day Price Protection original purchase on XX/XX/XXXX {$1000.00} price on XX/XX/XXXX {$870.00} credit to date of {$120.00} leaving an amount due of {$32.00}
Product: Debt collection

I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. 
I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.
Product: Student loan

I applied for total and permanent discharge of my private school loans based on my 100 % veterans XXXX on XX/XX/XXXX. They conditionally accepted my application and placed me on a 12 month monitoring period. I submitted my tax documents this year in XX/XX/XXXX in line with the Total and Permance Discharge agreement and they have denied me based on 1. an income level above the poverty level of one person twice on XX/XX/XXXX and XX/XX/XXXX ( despite the fact that the TPD application clearly states it will be based on a family size of two regardless of actual family size ), on XX/XX/XXXX for having an income above the poverty guidelines for a family size of 2 ( despite the fact that my income was under a family size of two ) and then denied me on XX/XX/XXXX because my income level is above the poverty level for a family size of two, which includes my VA XXXX income ( despite the fact that the TPD application clearly states it will utilize my employment income as documented on my tax return to determine my eligibility ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.
Product: Debt collection

I got a letter from XXXX XXXX telling me that I owe a balance with Kia Motors. I was very confused because this car was totaled out due to an accident and the loan had gap insurance. 
I reached out to XXXX XXXX, to see if they could prove me information on the account but they couldn't. All I was told by XXXX XXXX that he wanted XXXX a month for the payment plan and if I didn't agree to that then they were going to garnish my account on Thursday of this week. I can't afford that, I'm on social security and XXXX. XXXX XXXX was cruel and very mean. I hung upon him. I called my daughter and asked her to find out what was going on with this debt. She tried to contact them and got XXXX XXXX and he told her that she had to pay XXXX per month for the payment plan or they were going to just start garnishing her too. 

I just got the notification, how did I get sue on this account. The abuse I'm getting from this collector is ridiculous, over a XXXX debt, that I was told by the insurance company was paid off.
Product: Money transfer, virtual currency, or money service

Paypal permanent limited or banned my account for no reason and will not help getting back up and going. I am not sure if this is a mistake as I assume it has to be. I have not been able to get help from them for a long time. But I could just file a complaint here as I feel they are not doing their job properly and is affecting me a great deal as I used Paypal quite frequently.
Product: Credit card

Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Bank of America credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled " collection '' account on credit reports that I have obtained. However, Bank of America is not reporting a " Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Bank of America report this date.
Product: Credit card or prepaid card

CAPITAL ONE CREDIT CARD WAS OPENED IN MY NAME ... IT IS REPORTED TO MY CREDIT FILE WITH XXXX ... THIS NOT MINE!! PLEASE HELP
Product: Credit reporting or other personal consumer reports

Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i . 

I have not received any information from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

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

Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company Comenity Capital /XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this Comenity which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in 2015 and the bank Comenity, my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.
Product: Credit reporting or other personal consumer reports

I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, Equifax has XXXX late payments and CO, and XXXX has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account XXXX # XXXX  has 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.