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

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Mortgage

Quicken loans increases our payment each and every year even if there is not an escrow shortage. Even when they give a refund of escrow overage - they will increase the payment. I called last year and paid the shortage, plus an additional amount and they finally relented and left my payment the same. This year, I am getting a refund for the overage about {$700.00} and they are raising my payment by ~ {$30.00} and REFUSE to leave it the same. This mortgage company rates among the worst!
Product: Debt collection

Back in XXXX XXXX I had submitted a complaint with you guys regarding a medical bill with XXXX which they sent it to XXXX and XXXX , which I sent XXXX and XXXX numerous emails regarding this debt. XXXX and XXXX, I believe dropped the debt and I never heard from anyone, including XXXX and XXXX regarding the debt. I did email them with the email they provided in my former complaint. Now, 4 months later, I was sent the same debt but from a different debt agency. I assumed the debt was dropped. I was told that the same debt can't not be sold twice from 2 different agencies. this is a HIPPA violation because I never signed a form stating they can release this information. Although, I haven't contacted XXXX in a while, no one attempted to contact e regarding this debt within the 4 months after I sent a complaint with you guys.
Product: Checking or savings account

I called Wells Fargo Bank and requested a letter to include dates on which they contacted me prior to sending my savings accounts money to the State of Texas. I received a letter from Wells Fargo dated XXXX XX/XX/XXXX. 

Wells Fargo Bank stated they mailed me a letter on XXXX XX/XX/XXXX. I did not receive any letter from Wells Fargo Bank on or about XXXX XX/XX/XXXX. Wells Fargo stated they mailed me a letter on or about XXXX XX/XX/XXXX. I did not receive any letter from Wells Fargo on or about XXXX XX/XX/XXXX. Finally, Wells Fargo Bank stated they mailed me a letter on XX/XX/XXXX. I did not receive any letter from Wells Fargo on or about XXXX XX/XX/XXXX. 

Obviously, I was not notified by Wells Fargo Bank they intended to send my savings account to Texas unclaimed property. Wells Fargo has no proof of letters being sent to me as they did not even once send me a letter by certified mail. I strongly suggest that when an institution intends to send savings account monies to unclaimed propery ; they be required to notify the account holder by " certified mail. '' The employee I spoke to at Wells Fargo began listing off about a dozen dates, speaking very rapidly ; I told him to slow down with his speech ; he refused asking if I would let him finish what he had to say. He asked me if I had ever dealt with the USPS. Yes, I have sent thousands of letters via USPS with positive experience. To me, it appears Wells Fargo has a problem with their own internal mail room.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

Navient calls me from 4 to 10 times a day about a loan balance that I have written letters to them about, talked with 6-8 of their representatives about, and wrote them to quit calling me all the time. I wrote telling them they were harassing me and I would get an attorney to sue them. They said they were immune to harassment laws and they did not apply to them. They have called me repeatedly every day, even XXXX, and as late as XXXX. I have records on my phone of over XXXX calls from them since XX/XX/2016. Now they are threatening to sue me or take it to litigation. I told them all what I could do since I am on a fixed social security income and have health problems so I can not work, not to mention the fact that I offered to pay what I could and they did not accept it. I have received calls from every office they have in the country. One stops and another starts. It is ridiculous and has my nerves on end. They even charged me with loans that they had turned back over to XXXX University and I paid XXXX in full. Now they have called my daughter and my husband concerning these loans and it upsets me very much. My daughter is living on XXXX, needs a XXXX, and has XXXX which we do n't know what they are. It upsets her for them to call her and I am worried about her health. If this is not harassment, I do n't know what is.
Product: Credit card

I had a XXXX XXXX card, and when XXXX ended its affiliation with XXXX they transferred the accounts to XXXX. I never wanted the new XXXX account, and never activated the card that was sent to me. I contacted XXXX to cancel the account. They could n't help me. I contacted XXXX to try to cancel the account - they informed me that I needed to work with the issuing bank. BarclayCard began placing recurring charges transferred over from my XXXX account each month, even though they were never authorized to do so. More than two months ago I called the credit card company and cancelled the account - although I should not had had to do this, since I never activated the account in the first place. BarclayCard / XXXX completely ignored this and continues to place charges and late fees on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accoufft # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Payday loan, title loan, or personal loan

XXXX Klarna 's system would not accept my personal debit card. My original card was stolen and I attempted to use a replacement card. Their system recognizes my replaced XXXX debit card as a credit card. They will not take my payments over the phone or by app. Klarna asked me to use another form of payment such as another debit card. The only other card I have is a business debit. I can not use that card just because they said so. I have had the amount blocked through a stop payment with XXXX, as the company tried to draft an ACH. I attempted XXXX and that did not work. XXXX reported no issues on their end. A {$1.00} hold was placed on the current personal debit card with each attempt. Company has offered to not charge me late fees but insists I need to get another personal debit card to pay them. I attempted to create a new one-time card and was successful with the new/replacement XXXX debit ( personal ) card. The company took out the first installment of the latest purchase on XXXX the company will not allow me to pay the account using the card. They also denied me credit with XXXX XXXX  stating I had bad payment history ... because they will not use my debit card on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from 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 XXXX XXXX
Product: Credit reporting, credit repair services, 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 Account numberXXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.
Product: Checking or savings account

In XX/XX/XXXX, I tried to close my safe deposit box. I was told by XXXX XXXX to return to the XXXX branch on several occasions. Each time, I arrived, I was told that the locksmith was not available, as I needed to be there while the lock was changed. After keeping XXXX " appointments '' to close my safe deposit box acct., I spoke with the XXXX who reprimanded me for " expecting the locksmith to wait for XXXX hours in the lobby for me, '' pointing her finger at me and then at the lobby. She raised her voice, but I remained calm and then showed up again for the XXXX appointment, at which time, on XX/XX/XXXX, I again waited for the locksmith to arrive. This time, he arrived and my safe deposit box was closed. Today, XX/XX/XXXX, I received a letter stating that I will be charged {$70.00} for " setting up automatic payments for [ my ] safe deposit box. '' I will be contesting this fraudulent charge with my bank, but I need to alert other consumers about their treatment, deception, and fraudulent billing.
Product: Checking or savings account

On XX/XX/XXXX, XXXX XXXX ( Owned by Merrill Lynch Bank of America ) and XXXX XXXX ( Director Division Manager ) were notified that there was an error in their system that caused my Market Order Buy Trade from my XXXX account not to be executed. And because of this error and the reasoning of that error ( their system doesn't allow you to trade a Market Order if its 95 % percent of your account ) is something that I as the customer was never informed of when I opened the account or was in there terms of service that I signed. For this reasoning, I asked they retroactive my limit order to later get my trade in of XXXX  ( XXXX  ) @ {$37.00} to be changed to the time that the market order would of been executed @ {$36.00}. However, they weren't willing to change this. XXXX send me the terms of service and pointed out paragraph 9 as his reasoning. In Paragraph 9 it says basically, " The customer is responsible for all their trades ''. I told him this paragraph includes nothing about 95 % limit of account to execute a market order at all. So I didn't agree to that term and he must change it. Second, " I'm not responsible for their flawed system. '' XXXX and XXXX XXXX XXXX decided to suddenly close my account and not allow me to sell or buy equities. This lead me to have to rush and open new account and have to deal with this issue all day. Taking away my mental and financial focus on my trading. I was planning to make a trade of XXXX when it reached the break even point of {$41.00}. However, if my market order was executed my break even point was {$40.00}. The Stock never reached {$41.00} but reached {$40.00} several times. So I was forced by XXXX and his teams actions, to hold on in hope it would reach {$41.00} the next day. Also, I had no idea if I could sell it the next day. The next day the stock and my account dropped {$3000.00} dollars in value. This cause me to have XXXX  XXXX  and extreme Financial fear. This emotional damage caused by XXXX XXXX and XXXX XXXX closing my account and not retroacting my trade is beyond unlawful and unethical. They need to be held accountable for their actions and the predatory practices. CFBP, I request you investigate and fine them if you find they go agains CFPB laws and regulations. Also, that I be compensated for my financial and emotional damages.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report last week and noticed an account on there that I dont recognize. I would like it removed from my credit report. I also have reviewed my hard inquiries, and I did not authorize the lenders to access my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I am very concerned about the security of this company being that when I received my new card tried to activate it but in my info to do so it then gave me another person info including all info addresses with apartment numbers everything..this shows that this company doesn't have the required security in place which is required to have but yet they want to charge a service fee for this I am appalled they do not have this in place but charge ppl for service my info could be out there like I heard this young lady info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted to Equifax a request for an investigation of an improperly reported lateness on their report Confirmation # XXXX for account XXXX from XXXX XXXX XXXX who is my mortgage servicer. 

As I stated on my letter to Equifax, an incorrect 90 days late for XX/XX/XXXX was being reported. 

At that time I was under Chapter XXXX Bankruptcy protection and legally under reorganization ; Case # XXXX United States Bankruptcy Court XXXX XXXX of California XXXX XXXX filed on XX/XX/XXXX. Because of it no credit reporting was proper or required. The bankruptcy case was successfully completed and discharged XX/XX/XXXX. 

On XX/XX/XXXX when the alleged lateness occurred that being was reported I was in fact under an active bankruptcy chapter XXXX plan. 

Equifax not only did not care to investigate the facts after my written request but Equifax now arbitrarily and very damagingly reports on their new report Confirmation # XXXX a brand new bankruptcy case filed on XX/XX/XXXX. Never mind the Case # is the same of the XXXX case. It also reports a wrong court address. Finally it reports my mortgage under Wage Earner Plan when in fact it is not but it is current and being paid as agreed. 

All these new reportings are negligent and irresponsible and as such very damaging to my credit and reputation that I have fought diligently to repair since the economic downturn of XXXX ; witness the successful completion of the Chapter XXXX reorganization and an excellent paying record, to have now the credit reporting agency so carelessly and abusively dismiss.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Victoria XXXX  store card account in XXXX and was given a credit limit of {$250.00}. Falling behind on the payments the account was ultimately closed and has since been charged off with interest at a rate in upwards of 250 % at {$680.00} ( charge off amount ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not review my result and give results of the dispute correctly. I disputed an address on my file that is not mine. Their response was that they reviewed the address and the documentation I provided but did not give the results of that dispute. When the complaint was brought up with cfpb the first time, they stated that my name was correct, which was not the item I was disputing. I am filing a second complaint as the investigation to both issues has still not been rectified. I can provide the address in question upon request but cfpb has requested that I do not include identifying information. I have included the document of the dispute results as well. This document includes the dispute ID
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/14 I made a call to Trans Union and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with XXXX XXXX XXXX. Back in XXXX  I disputed the account as no knowledge of account and mandated that TransUnion not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!