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

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds stating the account is accurate, without providing evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. I have been requesting a reinvestigation since XXXX regarding these inaccuracies. I have also attached my most recent letter mailed on XX/XX/XXXX with a request for another reinvestigation with proof TransUnion received.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report XXXX XXXX, XXXX. I noticed some hard inquires that did not have permissible purpose. I also attached evidence below. 

1. XXXX  - XXXX XXXX XXXXThis inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX - XXXX XX/XX/XXXX. This inquiry has no permissible purpose to my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

Two credit card accounts with 5th/3rd was opened fraudulently in my name. 

1. Fifth Third Bank opened on XX/XX/18 balance is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against LCI Consumer Center for Failure to Respond and Furnishing Inaccurate Information Dear CFPB, I am writing to formally file a complaint against LCI Consumer Center, located at XXXX XXXX XXXX, XXXX, CA XXXX, for their failure to respond to multiple correspondence requests I have made and for furnishing inaccurate information to credit bureaus in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

To date, I have sent five ( 5 ) letters to LCI Consumer Center over a period of 7 months all of which were addressed directly to their po box . My requests included inquiries about the specific information they are furnishing to the credit bureaus and how they are sourcing this data. Requesting they provide proof and update to report accurately and within XXXX compliance guidelines. 

Additionally, the information LCI is reporting to the credit bureaus contains inaccuracies. They have failed to uphold XXXX XXXX compliance guidelines, which require accuracy, timeliness, and the correction of any discrepancies in reporting. Their negligence in providing accurate reporting violates the FCRA, particularly 15 U.S.C. 1681s-2 ( a ), which mandates that data furnishers report information with maximum accuracy. Furthermore, their lack of response also violates FCRA provisions requiring furnishers to investigate and correct disputed information promptly. 

Given LCIs repeated failure to comply with these regulations, I am now left with no choice but to take legal action if this matter is not resolved immediately. I request the deletion of the record from my credit report in its entirety and expect prompt communication from LCI confirming this.

At this point, ample time has been given for LCI to address these issues. I request that the CFPB take immediate action to investigate LCI 's conduct and ensure compliance with XXXX XXXX standards and the FCRA. 

Thank you for your attention to this matter. I look forward to a resolution and the removal of the incorrect reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


This late payment was recently updated on XXXX and TransUnion and XXXX are the only XXXX still reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by XXXX, XXXX and Equifax. XXXX stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All XXXX agency 's stated account was verified, XXXX After contacting the original creditor and presented a letter to Contract Callers, XXXX, XXXX and Equifax advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by XXXX, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged XXXX agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against XXXX, Equifax and XXXX in small claims court in XXXX, Ohio for damages and removal of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was sick with XXXX and received insurance thru market place which allowed me to purchase a policy which paid 100 % after my deductible which was met after my XXXX XXXX dollar XXXX at XXXX. These other health provider have tried to charge add ons after the fact that are fraud and denied by insurance and the providers sold this junk debt to these collections companies to try XXXX money out of me. These accounts have been dropped on other reports but Trans union still lists these fraudulent debts. My next step will be to contact the attorney general and seek relief or other remedies.
Product: Debt collection

XXXX/XXXX is attempting to collect on a debt not owed. XXXX is reporting a charge off, which was covered under the insurance I signed up for through their company and made extra payments each month for. When I lost my job, I contacted them and I filled out all the documents they sent me and made sure they received them. I have done my part in making sure I get this debt covered through the insurance I paid for every month, yet they can not due their part and get this debt covered.
Product: Student loan

I had an Unemployment Deferment that started XX/XX/XXXX. The Unemployment Deferment ended in XX/XX/XXXX. I received a bill to start payments again. As, I am still not working I filled out to extend the Unemployment Deferment and received word that I could not extend it even though the application asked if this was an extension of a previous Unemployment Deferment. Then I applied for a Hardship Forbearance. I was denied this option as they said I used the allowed forbearance options already. Now I am going into two months behind in payments and they are not willing to work with me. My monthly amount is {$220.00} a month. I am not working and can not pay that right now. They are not willing to work with me in my situation.
Product: Credit reporting

My name Is XXXX XXXX and my son is XXXX XXXX i have been trying to get his name and accounts of my report for years to no avail. I have his address on my report his name his accounts. I am XXXX he is XXXX but they seam to not care. I have accounts that are over seven years old they wont take of.
Product: Credit reporting or other personal consumer reports

These accounts listed are not mine Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, after speaking with a supervisor in regards to receiving a credit due to canceling a XXXX purchase for a Car battery - wouldnt arrive there in time before the Auto Center closed. XXXX had not even had the battery prepared and/or ready for pickup! 
I was denied being granted a credit since it was reversed on XXXX side ; I would have to wait. I was livid because I need my car to work! XXXX confirmed that they cancelled the transaction, its now in my banks hands. Which I had/still have the reference number for the conversation thread and cancellation email. Still I will just have to wait. 
My account is now under review and any money I do have in that account is untouchable. 

I was not given any notification or anything. 
No explanation as to why. 

Just told to wait. 

Living paycheck to paycheck, I do not have the privilege to simply wait. This is where the direct deposit for my paycheck goes, this is how I pay my bills and how I maintain my livelihood. 
I dont have access to any other accounts or money! 

On XXXX XXXX, I got a rep on the phone he was unable to give me any answers as to why this was even going on! 
I impatiently asked to speak with a supervisor. 45min later, the supervisor tells me the exact same thing unknown as to why my account has a hold and has no ETA on when it will be lifted. 

I Have absolutely no access to my money, THE MONEY I WORKED FOR! 

For something that Im not 100 % CERTAIN about because NO ONE HAS TOLD ME ANYTHING. NOTHING!! 
Just to WAIT! 

This is not right! 
I have a loan coming from my 401k into that account TOMORROW ; due to me already being dangerously behind on ALL ON MY BILLS & and now I have no access to it! 

They sent a message to my account but I am unable to view it, since I am denied access to even sign in! 

How is this legal? No heads up. No notification. No explanation. NOTHING. 
Just Boom.XXXX Denied access due to being under review- under review for what?! For what?! 

I get paid THIS WEEK THURSDAY and the loan is set to hit my account tomorrow. 

I need access to my money ; My car insurance cancelled today My car is STILL unable to start, Already has a fairly good chance of being repossessed if not paid by this week Friday! 
Soon my lights will go off! 

All I am being told is to wait. 
WHAT EXACTLY AM I WAITING ON?! 

ITS MY MONEY ; I DO NOT UNDERSTAND THE NERVE THAT CITIBANK HAS TO COMPLETELY DISREGARD THEIR CUSTOMERS AND THEIR LIVELIHOOD! 

ARE YOU ALL AWARE OF THE PHYSICAL DAMAGE AS WELL AS THE MENTAL ANGUISH YOU ARE CAUSING?!! FOR ABSOLUTELY NO REASONABLE EXPLANATION! 

I WANT MY MONEY - THATS IT! 

AFTER RESEARCHING HELP ONLINE, I NOTICE THAT YOU ALL DO THIS A LOT! 
YOU ALL NEED TO GIVE ME AND ANYBODY ELSE YOUR DOING THIS TO, RELEASE OUR MONEY!! 

No average ETA or explanation provided FOR this. 

This is inhumane. This is dangerous. 
This is simply not right!
Product: Mortgage

I was approved on a loan modification on XX/XX/XXXX to start paying a mortgage in XXXX for a rate of $ 2.875 % 40 years to lower my monthly payment but after closing I receive a letter stating that I received a step-rate modification so starting XX/XX/XXXX the rate is increasing at 3.875 % then on XX/XX/XXXX will increase again at 4.875 % and on XX/XX/XXXX will be 5.25 %. So I am questioning was the purpose of the modification? if wellsfargo increase the to 40 years plus interest and the este of 2.850 % is only good for 1 month a the worse problem nobody never explained me about this increase over time, I agreed on the modification, thinking I will lower my monthly payment and lower the interest of the loan I was informed after the closing about this step-rate mortgage modification in a letter received in the mail. I feel this is a scam of modification and not helping during this COVID crisis to homeowners to lower the payment of the mortgage, I am Very disappointed with Wellsfargo, I need help to resolve it. A better modification that will help me.
Product: Checking or savings account

I was contacted by a landlord for a rental property I inquired about online. They texted me and called me with all of the information. Had me to go online and submit my ID and I submitted a picture of my passport then I was instructed the application fee was {$75.00} and I also paid a {$400.00} deposit. I was then sent an email saying that I was approved to move in. I was also told my move in date is XXXX XXXX and I can meet them in person to pay my rent and get the keys and my lease for the house. I was contacted by the real management company for the house and I was confused and told them someone had already approved me for the house. They told me they don't know the person or the telephone number that I was called from and that I was scammed. I was also told I was given the incorrect amount of monthly rent and they told me the real rent of the house. I am worried because now this person has a picture of my passport and my amount info and my entire identity and now have my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
XXXX XXXX XXXXis reporting I owe a debt of {$2400.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. THE LISTED INQUIRIES ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE MY INFORMATION TO OBTAIN GOODS OR SERVICES. PLEASE BLOCK THE LISTED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 2nd complaint for the same inquires EQUIFAX HAS YET TO REMOVE INQUIRIES OR PROVIDE VERIFIABLE PROOF OF THESE INQUIRES NEED TO BE REMOVED AS THEY ARE HURTING MY CREDIT PROFILE 1. XXXX  NA XX/XX/2021 2.XXXX XXXX XXXX XXXX. 3XXXX XXXX XX/XX/2021 2021
Product: Mortgage

On XXXX XX/XX/2024, someone opened a XXXX XXXX account using my credentials and PII. The initial deposit came from a check written by XXXX XXXX, XXXX. 

Recently my mortgage servicing company, XXXX, XXXX, XXXX XXXX ( " Lakeview '' ), reported a breach of confidential consumer information and sent an ID monitoring information sheet. 

I can not find the information sheet, and Lakeview 's telephone answering system disconnects my calls before I am transferred to a live customer service agent.
Product: Mortgage

I have sent lender package of loan modification on XXXX XXXX, 2015 for review but per my agent told me they need some additional documents for review and no sale date at this point but I still see the sale date active on XXXX XXXX, 2015. I think they are lied to me while I called in to check with trustee company.
Product: Credit reporting or other personal consumer reports

In accordance 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. 

Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Mortgage

My mortgage loan was transferred to Specialized Loan Servicing on XX/XX/2019 from XXXX XXXX. It took weeks to get any information in the mail from SLS but we called to explain our financial hardship and they agreed to send a loan assistance packet for us to fill out and return. When that packet finally arrived about two weeks later, we immediately began filling it out and sent in within two days. We then began receiving letters informing us to contact HUD if we were facing difficulties affording our mortgage, even though we had already communicated with SLS about our situation. While our application was processing we received another loan assistance packet in the mail identical to the one we had previously sent in. Shortly after, we checked the SLS website and noticed that our application was denied. They did not try to help us keep our home! We have two toddlers and are struggling to keep our home and remain positive but its hard because Specialized Loan Servicing has no compassion or willingness to help their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on my cousins XXXX account for some reason it never updated me on XXXX and experian. It only shows on XXXX
Product: Debt collection

I was on XXXX XXXX in the XXXX XXXX at the time I incurred the debt, by being taken to the emergency room. This was XX/XX/2012. My XXXX should have covered it. Nonetheless I did pay the {$480.00} some years later to XXXX XXXX XXXX XXXX The amount incurred or being attempted to collect is {$480.00}.
Product: Student loan

For more than a year, I have been making regular monthly payments on time but suddenly my monthly payment jumped to almost {$1000.00} which I am unable to afford as a father of XXXX. I have communicated with the borrower that I will like to maintain the regular payments that I was making before but they won't allow. Effort to reduce the monthly payment has been unsuccesful as both the application and submission process has been confusing. Now I am in forbearance, I want to keep the payment that I was making before. I need help. I am a father of XXXX, I can  not afford $ XXXX monthly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unfair and Punitive Practices by Bridgecrest Dear [ Consumer Protection Bureau ], I am writing to file a formal complaint against Bridgecrest, the finance company for XXXX, for engaging in practices that have caused significant and ongoing harm to my credit and financial standing. These actions appear to be punitive, unfair, and potentially in violation of consumer auto loan laws. 

In XX/XX/year>, Bridgecrest charged off my auto loan and repossessed the vehicle. Despite declaring the loan as a charge-off, they have continued to report the payments as late, which has severely defamed my credit profile and caused my credit score to plummet. This reporting has persisted for over three years, effectively destroying my ability to secure new financing. 

The following issues highlight the unfairness of Bridgecrests actions : Improper Reporting of Late Payments Post-Charge-Off : After charging off the loan, Bridgecrest continues to report payments as late, even though the debt was declared a charge-off. This practice is punitive and misleading, as a charge-off typically signifies that the creditor has written off the debt as uncollectible. 
Repossession of the Vehicle : Bridgecrest repossessed the vehicle, further indicating that the debt was no longer active. Despite this, they continue to report late payments, compounding the harm to my credit. 
Corporate Credit Write-Off : Bridgecrest likely obtained a corporate credit write-off for the charged-off loan, yet they continue to penalize me by reporting late payments, creating a scenario of triple jeopardy.

Prolonged Damage to Creditworthiness : For over three years, Bridgecrests actions have unjustly destroyed my credit score, making it nearly impossible for me to obtain new financing or rebuild my financial stability. 
These practices appear to violate principles of fairness and transparency in consumer lending and credit reporting. Additionally, they may conflict with regulations governing the proper handling of charged-off debts, repossessions, and credit reporting.

I respectfully request that the Consumer Protection Bureau investigate Bridgecrests practices and take appropriate action to ensure compliance with consumer protection laws. I also request that Bridgecrest be required to cease reporting late payments on the charged-off loan, correct my credit report, and provide restitution for the financial harm caused by their actions. 

Thank you for your attention to this matter. Please feel free to contact me at [ your contact information ] if additional information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed XXXXXXXX XXXX Card Payments a letter and a check in the amount of {$850.00} ( check number XXXX ). The letter was a contract that outlined an agreement that upon cashing the check, the account shall be settled as paid in full, agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX and TransUnion, all collection attempts and activities cease and if contract is dishonored or violated they agree to compensate me. On XX/XX/18 the { {$850.00} } cleared my checking account. On XX/XX/2018 I called XXXXXXXX XXXX and spoke with Manager Assistant XXXX rep ID XXXX because I had received a letter from XXXX XXXX XXXX XXXX XXXX card, stating that they were unable to process my request, as they did not reflect that I had authorization to receive information on this account. Rep XXXX was able to locate my account and check ( which I also forward her a copy of completed deposited check via email ) and stated that my payment was not created to my account. She assured me that she would handle it. I also asked regarding the contract to be adhered to. Attached is a copy of the letter and cashed check that was sent. To this date, I have not seen an update of removal from my credit report regarding this account. XXXXXXXX XXXX is in breach of contract and has violated the terms of the agreements.