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

My name appears incorrectly on my Transunion credit report. I would like it removed. Also, I am unable to dispute items on my Transunion report online. I would like this problem fixed. 

Incorrect name XXXX XXXX MY NAME IS SPELLED XXXX XXXX - My first name has XXXX XXXX at the end of my name.
Product: Checking or savings account

I am writing to escalate a complaint against Discover Bank and to seek immediate resolution regarding the unwarranted restrictions placed on my phone number and email, which have blocked my ability to use XXXX with my XXXX Bank account. 
This issue began on XX/XX/2022, immediately after I switched wireless providers. As soon as the porting of my phone numbers was completed, I received an email from XXXX informing me that my phone number ( XXXX ) and email address ( XXXX ) had been removed from my XXXX profile at XXXX. When I attempted to re-add both my number and email, I received an error message ( error code XXXX  ) stating that neither my phone number nor email could be used with XXXX. Additionally, I received a text message indicating that my phone number had been removed from my XXXX profile. 
Since that time, I have tried to add various email addresses and phone numbers to my XXXX profile, but each time I receive the same error. I contacted XXXX customer support on multiple occasions, but each time they referred me to XXXX customer service, claiming that XXXX could fix the issue. However, XXXX has since confirmed that neither my phone number nor email address is restricted on their end. They referred me back to XXXX for a solution. 
After further investigation, XXXX and XXXX informed me that Discover Bank is the institution responsible for placing the restriction on my phone number. Despite contacting Discover Bank numerous times, they have failed to remove this restriction, which is preventing me from enrolling in XXXX and managing my finances through XXXX Bank. 
It is important to note that there has never been any fraudulent activity associated with my phone number or email. The restriction was placed automatically by Discover when I switched wireless providers, and it continues to impact my entire XXXX profile by preventing me from using any phone number or email to enroll in XXXX. 
I no longer bank with Discover, having closed both my checking and savings accounts with them, and there is absolutely no reason for them to continue imposing this restriction. The unjustified restriction has caused significant disruption in my life and continues to hinder my financial transactions through XXXX Bank.
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices. 

XXXX XXXX XXXX Dates : opened XX/XX/18 Reported : XX/XX/18 Collection : XX/XX/18 XXXX : {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax dispute center on XX/XX/2017 and XX/XX/2017 in regards to XXXX inquiries they are reporting on my credit report. I advised the representative that the inquiries were not authorized by me and I had supporting documentation from the companies stating they made a request for the inquiries to be removed. I have sent correspondence via fax and mail and have called numerous times and the inquiries are all still reporting. The inquiries reported without my authorization are XXXX, XXXX XXXX XXXX and XXXX XXXX. Equifax has yet to acknowledge requests from both myself and the companies to remove these inquiries even though I have disputed these inquiries.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York, XXXX XXXX SSN : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against Experian for their repeated failure to properly investigate my credit report disputes, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 
I have previously submitted multiple disputes to Experian regarding inaccurate reporting of late payments by XXXX. Despite these attempts, Experian has failed to conduct a reasonable reinvestigation and correct the inaccuracies on my credit report. 
The specific inaccuracies are as follows : Account Number XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling {$9500.00}. 
Account Number XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling {$15000.00}. 
I have provided Experian with documentation supporting my disputes in previous communications. 
However, Experian has consistently failed to : Conduct a thorough reinvestigation of the disputed information. 
Correct the inaccurate information on my credit report. 
Provide me with adequate notice of the results of their investigations. 
As a result of Experian 's negligence, I have suffered not getting approved for a home loan and credit cards. 
I believe Experian 's actions constitute a clear violation of 15 USC 1681e ( b ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. I request that the CFPB investigate this matter and take appropriate action against Experian to ensure they comply with the FCRA. 

Thank you for your time and attention to this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

XXXX - Disconnected XXXX internet service in XX/XX/XXXX. Due to switching to XXXX XXXX. End date : XX/XX/XXXX. Final Bill : XX/XX/XXXX. 

XXXX - Notification from XXXX  to return the following equipment -Network Router : XXXX -Network Router : XXXX -Cable Modem : XXXX I followed link to a pre-paid shipping label at XXXX/XXXX  to ship it back. I filled out the form, printed the label, it equipment into in a cardboard box and brought it to the mail carrier XXXX - Email notification from XXXX of {$80.00} balance XXXX - Contacted XXXX to inquire about equipment charge of {$80.00} dollars. I spoke with XXXX. Call reference number : # XXXX. I informed him that I had mailed back the equipment using their own XXXX label. He checked my account and stated eventually stated that : " I am able to see that your account balance Is {$0.00} '' XXXX {$80.00} charge appeared on my checking account. Contacted XXXX to dispute the charge, Spoke with XXXX ( Call reference # XXXX ) control # XXXX. He stated that : " Oh okay, I was able to confirm from the notes on XX/XX/XXXX that the {$80.00} charge was removed '' I informed him that I was charged anyway on my debit card. He stated : " What I am going to do is sent an equipment form so we can look Into this once we look into this we will remove the {$80.00} charge and you will have that chargeback to your card ''. I asked him what equipment it was and he reported that they are missing the XXXX brand Modem. 

I escalate to a supervisor, who was to call me back in 24-48 business hours - but I did not receive a call, and it was impossible to reach out to the same representative. 

XXXX - Called back and provided call reference numbers and asked to speak with a supervisor and was told I need to wait for a callback. Did not receive any missed calls during this time from unsaved numbers, and did not receive a voicemail or anything else that would indicate a callback was made. 

XXXX Disputed the {$80.00} with XXXX XXXX  and had the charge removed because I returned the equipment already. 

XXXX - Email from XXXX saying I have a statement amount of {$100.00}. I attempt to login to view the statement but I am unable to retrieve the account login without the account number on my statement. I tried to call the customer service number and hung up after an excessive wait length and I had already disputed the amount with my bank, so I gave up in frustration. 

XXXX The statement amount becomes {$120.00} at some point XXXX FICO score of XXXX. I'm usually somewhere between the score of XXXX XXXX - FICO score drops to XXXX XXXX - I request a copy of my credit report and found a Derogatory Remark from Collections from Optimum. 
XXXX - Filled dispute with XXXX  XXXX Dispute completed - information updated but not resolved XXXX - Filing complaint with the Consumer Finance.
Product: Debt collection

I have a statement dated XX/XX/19 from " XXXX XXXX ''. XXXX XXXX account number : XXXX. Current creditor is listed as " XXXX XXXX XXXX XXXX '', Original creditor being XXXX XXXX. This is part one of the concern : XXXX XXXX is stating they are authorized to accept settlement on this debt, however " current creditor '' is listed as " XXXX XXXX XXXX XXXX '' on the very statement that XXXX is stating they can collect settlement on. 

The situation is made more interesting by a letter dated XX/XX/19 from SYNCOM- Synergetic Communication , Inc. Account number XXXX. SYNCOM letter states current creditor is " XXXX XXXX XXXX XXXX '', Original creditor of course being XXXX. SYNCOM letter states " client '' account number is XXXX which does not match the XXXX XXXX account number so I can not resolve myself with the fact that SYNCOM sold the debt the XXXX XXXX or vice versa. 

This leaves me to believe both companies are trying to collect the same debt. the dates on the letters are too close and the account numbers do not match, so I can not assume this debt was transferred. 

The following amounts are being attempted to be collected from me : SYNCOM says I owe {$640.00} and will accept {$160.00}, IF received by XX/XX/19. 
XXXX says I owe {$1400.00} and will accept {$970.00} IF received by XX/XX/19. 

XXXX XXXX can be reached @ XXXX or XXXX   SYNCOM can be reached @ XXXX or www.syncomcorp.net thank you for your help in this concerning matter. I am concerned my debt is with multiple agencies and i believe this is a violation of the FCRA and more so I believe Massachusetts has its own protections against this, but I am filing this complaint for help to confirm this.
Product: Mortgage

Weve been working with XXXX XXXX in XXXX XXXX on an XXXX loan since this summer. Throughout this time we have struggled with XXXX XXXX timeliness to communicate, respond to our questions and his overall lack of asking questions. Hes been provided with our financials and until we demanded to have an in person meeting he was under the impression that we made significantly less money than he was provided. 

I understand that he has had some major family issues but the lack of communication has been throughout this process months before his daughter was ill. 

Many times Ive called the bank and hes not even at the bank, hes out of the office for various reasons. 

Weve had to change our closing date because of XXXX lack of dedication to prioritize us. 

After our face to face meeting XXXX assured us he would have the appraisal ordered for our building before the end of the year. Today is XX/XX/XXXX and we have no information on what's going on with our loan or with our appraisal. 

My husband has also called and emailed as it seems that speaking to men seems to motivate him more than communicating with a woman. 

Ive asked XXXX if there is a back up person who we can speak to since getting in contact with him has been so difficult and again we havent heard anything back. 

As of today we are receiving word from the owner 's realtor that they are not planning on extending our contract again. I am very frustrated with how this process has gone and the overall lack of communication. The only time we speak with XXXX is when we have called him several times and asked for updates. 

I have several emails Ive sent to XXXX asking for updates, asking for clarification and even an email from him indicating he didnt need anything more from us only to find out in our in person meeting that there was more information needed from us. 

Something even more alarming is other people and loan supervisors were aware that XXXX was having problems and no one reached out to anyone on his caseload. This doesnt seem ethical or how a business should be run. 

XXXX  lack of prioritization of our loan has impacted my business and my family greatly. 

Our loan officer was out of the office again the week of XXXX and this is when a supervisor discovered that our paperwork had been misplaced, we werent even in the system and we had made no progress on our loan. We had a closing date of XX/XX/XXXX. Nothing had been done on our loan. 

This bank had a fiduciary responsibility to us and to our business and it seems that they sabotaged us intentionally.
Product: Mortgage

We are reaching out again hoping you can step in and help us save our home. My husband and I fell behind on our mortgage payments when my husband became very ill. As I stated in my first letter, he was struggling with XXXX and started also suffering from XXXX XXXX due to XXXX XXXXXXXX. His health continued to deteriorate and he was no longer able to work. 

I've been fighting an uphill battle to work with my bank to get back on track. I fill out, collect and send in paperwork over and over because it somehow gets lost. I would receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. I'd be directed to the website for forms, but the link would be broken ( and still is ). 

My heart broke again today when I called and was told we weren't approved because I didn't make enough money. One representative told me I could appeal if i could show we have additional money coming in. I tried to find a form for this, called back and the next person spoke to, XXXX, told me there was no such thing as an appeal and they were taking my house in less than 30 days.
Product: Mortgage

Took the hurricane Irma mortgage 3 months assistance, now I got served a civil action summons on XX/XX/XXXX with 20 days to respond. I have been in contact with Flagstar Bank and sent them all the paper work they requested for a modification at least 7 times ( mail an via email ) over the past 6 months. They still can not and will not help me. Every time I call they say we are working on it or we need this paper or that paper which we have already sent again, but send it again anyways. They sent back my payment as well. Please help my family.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general 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- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and three 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and two 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification for Verified Accounts Dear Experian, I am writing to request the method of verification for certain accounts and inquiries that were recently disputed on my credit report. I appreciate your prompt attention in completing the investigation, and I now ask for detailed information regarding how these accounts and inquiries were verified as accurate. 
The accounts and inquiries in question are as follows : 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 Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide the following information : 1. The name, address, and contact information of the entity or individual that verified the account.

2. A detailed description of the investigation process undertaken by your bureau to verify the information.

3. Copies of any documentation or evidence obtained during the verification process.

I expect your response within the time frame outlined by the FCRA. Failure to provide this information may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action to ensure compliance with federal regulations.

Thank you for your immediate attention to this matter. Please send your response to the address listed above or via email. If you require additional information from me to fulfill this request, please contact me directly.

I sent this letter certified and it was received. Experian Failed to provide the Method of Verification ( MOV ) for 11 separate accounts, as required under 1681i ( a ) ( 7 ). According to the case filed in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California under docket number 8:25-cv-00024, Experian has a history of conducting inadequate investigations into consumer disputes, failing to delete inaccurate or unverified information, and not providing adequate notice to consumers about the results of their disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax report XXXX XXXX is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact equifax to dispute online but they are having system problems as well as a data breach issue. My score has dropped XXXX point because of this incorrect, inaccurate reporting. Please help thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it is affecting my credit score.
Product: Mortgage

My loan from XXXX XXXX  XXXX was sold to SLS Mortgage back on XX/XX/2019 and my payment was schedule to start with SLS in XX/XX/2019. As I normally do as a responsible individual I continue making my mortagage payment now to the new company SLS and after 3 month that I have been dealing with them, they claim that I never did my XXXX payment in which XXXX  XXXX XXXX and myself have send several proof that I did my payment in XX/XX/XXXX but to XXXX XXXXXXXX XXXX not SLS because at that time XXXX  XXXX XXXX was servicing my loan. In addition to provide the information, I have been in contact with them several times during this past 3 month because I want to get this fix and all SLS have been harassing calling me every day, sending me letters that they are going to foreclose my house, and telling me that they are going to mess my credit. At this point Im not sure what else I can do because even when I have try dealing with someone directly at SLS to get this resolved, they keep passing me from person to person without any solution but they keep adding fees after fees because they want to collect again on something that I already paid. Besides all this I have proof from both institutions that my payment schedule for XX/XX/2019 has to be made to SLS and moving forward with them and I have done so. Please I need to get this resolved because this company is trying to take advantage of me when I have done my part. Also, I know that Im not the only customer that is going through this with them and they dont care to assist in any way.