23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of company SCI for amount of {$990.00}. 
This debt showed up on my credit reports and has harmed my credit. 

1 ) I am not familiar with SCI 2 ) I have never transacted with SCI 3 ) I have never been contacted by SCI 4 ) I have never been contacted by XXXX XXXX XXXX ( debt collector ). They said they sent me a letter which was returned to sender. I highly suspect the debt/charge could be in my old last name ( though I have provided this collector with my correct current name so they might reference my current name if you inquire ). 
5 ) I am a previous victim of identity theft ( name, date of birth, social ) with people trying to open credit accounts 6 ) XXXX XXXX XXXX claims the debt is valid, but is unwilling to provide me with any verifying information 7 ) XXXX XXXX XXXX suggested I should just pay the debt to them to make it go away on my credit report. 
8 XXXX XXXX XXXX XXXX offered no other solution but said I could write them and provide information to dispute. But I don't even know what information to provide and I'm not sending a debt collector any of my personal information. 
9 ) I strongly believe the original charge from SCI was fraudulent and XXXX XXXX XXXX has picked up the debt and applied it erroneously to me. 
10 ) I've seen other complaints on XXXX about SCI and XXXX XXXX XXXX, exact same situation as mine 11 ) The three credit bureus rely on the debt collector to verify the debt is valid. But no one is willing to provide me with information showing the original charge details or help me prove the charge is not me. 
12 ) I can't even provide any documentation of the debt collection from collector or SCI because again, they've never contacted me ( even though collector says they sent a letter ). 
13 ) There are numerous numerous complaints online about XXXX XXXX XXXX as a scam
Product: Credit reporting or other personal consumer reports

On XX/XX/ XXXX  I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.
Product: Debt collection

XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

I received a collection notice from Covergent regarding an account that was paid. I have sent them correspondence showing that it has been paid and asked that they stop contacting me about this debt. They refuse and have since sent more collection letters via the mail. This is harassment and they must be stopped!
Product: Credit reporting or other personal consumer reports

In accorda

nce with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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.
Product: Mortgage

On XX/XX/2022 Union Bank ( MUFG Union Bank ) improperly allowed an unknown and unauthorized person to withdraw {$27000.00} from our line of credit. 
The funds were withdrawn in person ( by unknown and unauthorized persons ) from a bank in California, where we have never been. The signatures this person provided did not match ours and identification was inadequately checked. 
Upon learning of this unauthorized withdrawal we immediately contacted the bank, and provided completed forms and details they requested. 
Despite several attempts to contact the bank to understand the status they inform us that the investigation will take " A while '' and while the investigation is underway, our account is still missing the this amount, accruing interest on said amount and our other funds are locked and inaccessible. 

The bank has not followed XXXX Liability of consumer for unauthorized transfers. with respect to this issue, as we are still out of pocket for funds the Bank inappropriately issued to an unauthorized, unknown party.
Product: Credit card or prepaid card

Bank of America Credit Card monthly payments drastically increase after a confusion over the phone. I applied for the credit card over the phone under the assumption that it be zero interest rate for the first 8 months. However, it became a credit card that incurred a very high interest. The first and only late payment occurred on XX/XX/2019. I called to solve it, which the bank apologized for the confusion ; thus, did not honor my request to make it zero interest as I thought it will previously be. I recently gone through financial hardships with my business. Nevertheless, I continue to make all my payments on time. Because of the confusion and the time span trying to solve the miscommunication I incurred a late payment. The late payment drastically dropped my score.
Product: Checking or savings account

I received a XXXX loan went to make withdrawal and the bank froze my account ask for some documentation which I turned in and I still say they're investigating my my account I asked him to reverse the funds and they told me they couldn't do that until the investigation was over but I don't understand what are they investigating this was a government-funded loan that was approved for me for my business
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion regarding their failure to address my dispute concerning unauthorized and illegal reporting on my credit report. 

Details of the Complaint : Date of Report : XX/XX/2024 Disputed Information : unauthorized and incorrect payment negative information Reason for Dispute : This information was reported without my authorization, and my requests for correction have not been properly addressed. 
Despite providing supporting documentation to TransUnion that clearly illustrates that the reporting was unauthorized, they have failed to remove this information or provide a satisfactory response. I also sent them 3 different dispute letters about the matter. This situation severely impacts my creditworthiness and potential financial opportunities. 

This complaint is supported by relevant laws, including : 15 U.S. Code 1681 ( a ) : Establishes the requirement for credit reporting agencies to maintain accurate information.

15 U.S. Code 1681 ( s ) : Clarifies the consumer 's right to dispute inaccurate information and the responsibilities of credit reporting agencies in investigating such disputes. 
15 U.S. Code 1681 ( e ) : Requires reasonable procedures to ensure maximum possible accuracy of the information reported. 
As mandated by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I expect TransUnion to comply with these regulations. 

I request that the CFPB investigate this matter and ensure that TransUnion adheres to FCRA standards by correcting these inaccuracies promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is reporting false information on my files. This is not my debt and i have requested verification and validation and they still have not sent me the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

have unauthorised inquiries on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.
Product: Debt collection

To whom this concerns : i desperately need some help on firguring things out. My letters were written, and sent out on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and they've fallen on deaf ears, it seems. I just cant firgure out what's going on and i also dont understand what it is that im doing wrong. Or what it is that im not saying, I'm following the FCRA steps far as disputing negative items, ive reached out to these creditors, and was notified that there's been no investigation at all for my own purposes now i understand those electronic response which i provide plenty in my paperwork of their verification. This company is required to do a proper investigation something that beyond fake allegations which was submitted to me. where's the info? Where's this documentation? How was the investigation done? Who did this company with i need prove of information i listed above as well as a re investigation of these inaccurate, and unverified accounts..
Product: Mortgage

i am XXXX XXXX my loan with XXXX XXXX  Loan number are XXXX before my loan was with bank XXXX everything was very smooth and comfort all payment on time sudden they shift my loan to SLS from very first they they start upset me too much took out try multiple payment i paid my bank charge all lot of things to fix but they are shameless and worse customer service in world totally unprofeesionals they not listing XXXX is customer problem start argue all time not traing what is customer service i call them tomake low my payment please remove my P.M.I how much i pay without my knowlege without ask me anything sending report to Credit beure my loan modication & sudden excuse my escrow amount shortage ask more money increase montly payment and very smartley XXXX my credit to poor credit Report about my loan modification when i call even today need tell everyone whole story they mook on me finally i tried everything i think i need legal help they want keep own legal team busy all time .. No any good comunication with customer I Hate name of XXXX XXXX FRAUD too much make me disturb unfailly keep me disturb from very first day evey thing was smooth on time with Rushmore MY BAD LUCK NEED TO FACE STUPID PEOPLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, XX/XX/2023, I received an email from Experian that said that my XXXX XXXX had decreased by XXXX points. When I logged in to my Experian account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department XXXX XXXX XXXX XXXX 

XXXX notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( XXXX ). 

XXXX notification said that my XXXX XXXX increased from {$3900.00} to {$18000.00} ( XXXX ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( XXXX ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called XXXX to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my XXXX XXXX. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that Experian and other credit bureaus should not negatively alter my score. 

XXXX has suggested that I send a letter to Experian showing them a summary of my loans. XXXX calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, XXXX
Product: Mortgage

I have been trying to work out a modification or payment plan with my lender, Selene Finance for a very long time. I had a forbearance agreement in place that the lender failed to hold up their contractual commitments and I have subsequently filed Chapter XXXX to help me re-structure my mortgage debt and save this home. On XXXX XXXX, XXXX, Selene received an Attorney Authorization to work with me on a loss mitigation agreement. Following Selene 's receipt of the authorization, I have called repeatedly to discuss my options with Selene. From my phone number and/or my loan number, I was put into a voicemail box that states that the 'agent handling my account is not available. ' More than two dozen times I received this message and left at least a dozen messages. No return phone call, no letter, no return contact from Selene, which is the way it has been since they began foreclosure proceedings on me. I make good money and can restore this loan if they are willing to work with me. 
On XXXX XXXX, over one month later, I was able to get an agent on the phone by blocking my number, not entering my loan number, and pressing # repeatedly. This agent acknowledged receipt of my Authorization, and said there are no records of me calling. She said the agent handling my account was XXXX and that I could leave her a message, which I agreed to do and did. She suggested that I submit a Loss Mitigation Application, which she instructed was available on Selene 's website. The agent explained that once submitted, I would receive notification within 72hrs if the package was complete, or if there were any additional documents/information required. I promptly submitted this form with all the necessary documentation the same day, XXXX XXXX, XXXX. It has now been 8 days and I have yet to hear from Selene, again. This has been the story for years as they have refused to communicate, refused to honor their contractual agreements, and have blocked any means for me to restore my loan status. It is obvious to me that Selene wants to foreclose on my home, irregardless of my ability to mitigate the loss.
Product: Debt collection

I was told on XX/XX/2019 voicemail was left stating great I they are scheduled to deliver a summons and that if I dont respond that this will be a refusal. I ask fo a VOD they did not send me the info only a letter stating its in the office. Then stated I can not get the VOD until I sign documents.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for this account in XX/XX/2023 and received a response from the credit reporting agencies indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. 

Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Product: Debt collection

I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX I don't know how people are getting my information
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to XXXX XXXX to get my car repaired, XXXX XXXX failed to put a new radiator in my vehicle, they put in a old radiator and my car was not working, i had to go to XXXX XXXX to get car repaired, please see attachment, XXXX took out the radiator that XXXX accurate put into my car, the radiator that they put in my vehicle is non repairable, it was used Unfair and Deceptive Acts and Practices Statutes ( Laws ) XXXX XXXX did what we call a deceptive acts and practices ( sometimes referred to as UDAP ).. 

These laws address a wide variety of practices, including things like : XXXX XXXX failed to fix my issue and i had to take to a different shop to have repaired, they charged me XXXX and i want to be refunded for my funds immediately. 

i did not have all the monies at one time so i took out a loan from sunbit, and they refuse to close out this contract after showing them that my car was repaired at a different shop and running just great now XXXX is notorious for lying to their customers in order to gain extra work for things that don't really need doing Sadly, this lead to me spending lots of money that i did not have. 

Breach - The mechanic breached duty of care with defective repair work XXXX was defective out the door, but he stated it was brand new XXXX XXXX XXXX have discovered that XXXX charged me for parts and services they did not provide. I have the defective radiator in my presence at this time. XXXX XXXX XXXX stated they will stand behind me.
Product: Mortgage

It started when we were late with XXXX payments and requested assistance from our mortgage servicer Essex. They gave us the run around for months and months but we were finally approved for a partial claim in XXXX and HUD made a contribution on our behalf. After that we realized that the payment from HUD had not been applied correctly and Essex was accusing us of being behind on our payments which we had proof that we were not. I have called Essex 1-2 times per week for almost 2mths and no one has ever been able to figure out what is happening. Actually they always say someone else will call me back and they never do. The middle to the end of XXXX we got emails talking about how to stay out of foreclosure. But we are not behind on payments. So I went on the HUD website and found the name of XXXX Credit Counseling Service in XXXX WV. I made contact with XXXX XXXX a HUD Certified Housing Counselor and she and her manager tried to sort out my loan/payments issues. They firmly believe what I have been saying that Essex is not applying the money correctly and they discovered some other details about how they haven't been applying money correctly for a long time. You can reach out to XXXX if you need more information. XXXX or email her at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-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.