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

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX XXXX  # XXXX The bureaus had XXXX days to fix this and by law they had tO fix this within XXXX days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after transunion and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT XXXX DAYS
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( Equifax, XXXX, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX  can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto insurance agency notified me they were unable to review my coverage because TransUnion was providing address information contrary to all other records. I attempted to get a copy of my credit record via telephone ; after 10 minutes of pushing buttons and listening to voice prompts the automated voicemail system tells me it can't release any information because my data does not match theirs. It directs me to the TransUnion website, which I must register with to obtain any information. What was not disclosed was registration to the TransUnion website automatically sucks {$27.00} out of your checking account and signs you up at monthly membership rates. What I thought was going to give me a free copy of my credit report was a deception. The subscription fees may have been hidden in the fine print in the link at the bottom of the registration page, I certainly never found it. 

Short version : TransUnion created a situation with my car insurance that they refused to fix or even give any details about until they extorted {$27.00} from the victim of their misinformation. Being a XXXX person on a very limited income, I can't afford to let this slide.
Product: Credit card

My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX is trying to collect payment for a debt that was created by identity theft. I didnt not take out the loan and I did not receive the money. They are harassing me to pay it back. 

I tried to file a police report in XXXX where I live but XXXX Police Department says I need to file the fraud /theft with you.
Product: Student loan

First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it. 

Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX  me over for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$38000.00} XXXXXXXX XXXX XXXX Balance {$46000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023
Product: Debt collection

We are receiving a collection from Penn Credit Corporation originally owned by XXXX XXXX XXXX ( XXXX  ) toll bills amounting in {$190.00} for a former truck that was leased under the company by XXXX XXXX of XXXX XXXX XXXX XXXX, NC XXXX owner of XXXX XXXX XXXX DOT XXXX is no longer leased under the company. He can be contacted at XXXX. I have attached the leasing agreement and a page from our company 's NC XXXX Renewal Packet showing we only have XXXX truck under our company with license plate XXXX.
Product: Credit reporting or other personal consumer reports

No Contrac was signed and my Idenity was stolen to open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and Equifax and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claimXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 someone opened a XXXX XXXX/XXXX  account using my name and address. I reported the fraud to XXXX XXXX  and they closed the account and notified all 3 major reporting agencies that the hard inquiry and account should be removed from my credit report. All three agencies removed the account from the list, and two of the agencies remove the hard inquiry. But TransUnion refuses to remove the hard inquiry for the account they know was fraudulent because the letter from XXXX XXXX  only said " XXXX XXXX  '', not " XXXX XXXX '' regardless that it has the same account number. 

I've called TransUnion about this twice, the first time, they said they would deal with it, but nothing happened, and the second time is when they told me about the " XXXX '' name requirement. A couple of months ago, I called XXXX XXXX  and asked them to send the hard inquiry removal letter to TransUnion again, but nothing has changed with TransUnion. XXXX XXXX  said it's the same letter they sent in XXXX and that they can't edit the automated letter to say " XXXX XXXX  ''. It was good enough for the other agencies, but TransUnion is choosing to be obtuse about it. 

It's pulling down my score by 4 points. Granted, that's not a lot, but here 's why I'm making a complaint : more than one customer service rep at different agencies admitted that TransUnion is known for not fixing this sort of issue. So, I'm making a complaint for myself and for others affected by their protocols.
Product: Credit card

On XXXX XXXX, 2024, I successfully made a {$140.00} cash advance withdrawal on my Capital One credit card. I went to a Capital One bank in XXXX XXXX, MD, to do this. 

The ATM at the Capital One bank denied my request for the withdrawal, for a reason unknown to me. So, I went into the Capital One bank at the same location and a customer service associate there quickly processed my cash advance request for {$140.00}. For this transaction, I was charged a {$10.00} fee by Capital One and a {$3.00} fee by the bank. 

In reviewing my Capital One statement on XXXX XXXX, I noticed that Capital One also charged me a {$10.00} withdrawal fee for the ATM transaction that day that Capital One denied. 

I contacted Capital One by telephone on XXXX XXXX, 2024, and spoke with 4 associates in an effort to obtain a reversal of the {$10.00} ATM fee that I was charged on XXXX XXXX. Ultimately, Capital One refused to reimburse me for the {$10.00} fee charged at the ATM. A representative there told me that by using the ATM ( though my transaction could not be completed successfully through no fault of my own ) I was agreeing to pay the {$10.00} fee. I should not have to pay Capital One the {$10.00} ATM fee because as I've mentioned above, that transaction was not processed ( through no fault of my own ),
Product: Debt collection

I am requesting validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay TrueAccord credit collector.

I also request TrueAcoord a formal notice that your claims are disputed and cease communicating with me.

TrueAcoord is sent an email several times after I request the cease all communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXXXXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX:XXXX Transunion XXXX XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.
Product: Mortgage

I entered into forbearance on XX/XX/2021. 
I was current on my mortgage at the time. 
I was informed that the forbearance included XXXX 's payment, however I was still charged a late fee of {$140.00} for that month. I had asked to have the late fee waived and I was denied. 

Also, on XX/XX/XXXX, I had enquired with the lender about exiting forbearance and what my repayment options would be. I was informed that my only options were to pay the past due amount of {$14000.00} in XXXX lump sum or agree to sign a loan modification which would raise my interest rate and monthly payment. I was also told that I only have a week to decide and the offer would be withdrawn and they only provide one offer. 
I don't feel that this is fair and I feel that the lender is taking advantage of me the consumer in this case. 
I had also asked about deferment and was told the VA does not allow this option. After contacting the VA, they stated this to be false and they most certainly do allow the deferment option. 
I want to get my mortgage back on track but I don't feel that it is right or fair to have to pay a higher monthly payment over the course of the entire loan of 30 years to do so. In the end I would have to pay approximately {$60000.00} in additional interest ON TOP of the {$14000.00} past due balance.
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and DELETING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have already been removed as fraud as shown by attached documents. TransUnion has refused to investigate issues. 
Transunion has reported false information when provided with dispute information. Transunion has already been caught on 5 occasions reporting false information and violating consumer rights. Transunion has also verbally admitted to reporting false claims and is currently under investigation. Transunion is aware file are fraud and have been removed by XXXX and has refused to comply with FCRA standards for reporting accuracys. Issues are claimed to be investigated but accounts are being updated without investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company rep in XXXX of XXXX.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed notarized disputes to each of the credit bureaus after reviewing my reports and noticing some inaccuracies. It has been 90 days and still no response. In addition I called on today and they claimed to have never received them. I am well aware that by law the bureaus are allotted 30 days to conduct and investigation and respond. It has been triple that amount of time and I feel like that this is a gimmick to prolong and or avoid responding to my disputes. By law these items need to be removed completely! Each of the bureaus have already violated my rights as a consumer. 
I have attached the referenced disputes to this complaint in hopes that this will make this comply with the LAW! I will proceed with litigation if we can not come to a resolution in a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following information in my credit report. The items I am disputing are listed below along with the reasons for my dispute. According to the Fair Credit Reporting Act ( FCRA ), this information must be removed or corrected if it is found to be inaccurate or can not be verified. 

The disputed items are as follows : - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Account Type** : Debt Buyer - **Responsibility** : Individual - **Date Opened** : XX/XX/XXXX - **Status** : Collection account. {$1100.00} past due as of XXXX - XXXX XXXX : XX/XX/XXXX - **Balance** : {$1100.00} - **Balance Updated** : XX/XX/XXXX - **Recent Payment** : None - **Monthly Payment** : None - **Original Balance** : {$1100.00} This information is inaccurate and should be deleted from my credit report. 

As a consumer, I also request to know all the steps your agency took to ensure these items were 100 % accurate. Under 15 U.S.C. 1681i ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in 15 U.S.C. 1681g ( c ) ( 2 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided by the agency, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description.

Additionally, under 15 U.S.C. 1681e ( b ), 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.

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please provide a description of the verification procedure you used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this information. 

I expect your prompt investigation and resolution of this matter, as well as a response within the required 30-day timeframe.

Thank you for your prompt attention to this important matter. 

How and what method did they use to verify and investigate this account.
Product: Debt collection

Equifax continues to let XXXX XXXX to damage my credit with a debt that has been cleared. I have repeatedly ( more than 8 times ) through the CPFB and others, sent Equifax copies of the paid invoice with a XXXX  balance. They continue to falsely carry it on my record with them. They are the only CRA doing so, all others have removed the claim. Now they also want me to fax them copies of my drivers lic. and social security. I will not. They lose to much info on their clients by not properly protecting this same info they want from me. They know I'm me, why else would I keep after them to get this right?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DELAWARE Made a new TransUnion Hard Inquiry to my account without my permission. For that reason I now have XXXX inquiries from that company, XXXX legit and XXXX that is not. The first XXXX XX/XX/XXXX is totally legit because this is when I requested the card from them. The second XXXX XX/XX/XXXX should not be here because I did not changed or requested any other credit card or similar from them. I tried contacting the Bank support and they would not help me take care of the negative inquiry reporting because they said it was not possible through the phone and needed to involve the Credit Bureau on this. So, I also called Transunion and they suggested that if the bank is not being helpful, that I should file a complaint on the Consumer Financial Protection Bureau. In conclusion, that last Hard Inquiry should not be there and it should be removed in a quick and easy manner.
Product: Mortgage

On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.