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

I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/2024. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, I have not received any response from TransUnion regarding the investigation results. 
I received a response back from TransUnion dated XX/XX/2024 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the allhed debt. nor therefore any such debt in fact therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXXXXXX XXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

I do not owe a debt with XXXX XXXX I closed my account with a {$0.00} balance 2 or 3 years ago. And a negative account appeared in my credit report XX/XX/year> which is negatively affecting my credit worthiness. Please remove that collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to view my score with Equifax. In XXXX of this year I filed a complaint about this matter and Im still facing the same issue.
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from my bank ( Wells Fargo ) asking if I had made the following transactions : Money Transfer Authorized on XX/XX/XXXXXXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$400.00} Money Transfer Authorized on XX/XX/XXXXXXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$1900.00} Money Transfer Authorized on XX/XX/XXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$2000.00} I told them I DID NOT authorize any of those charges. I had been traveling and using my card at gas stations etc. I filed a claim with both Wells Fargo and XXXX XXXX and they were both denied. I escalated the issue to no avail. I filed a police report but haven't received any updates. I have been with WF for nearly 20 years and if you look at my statements I barely spend that kind of money in a month, let alone in one day. I'm so distraught. Please help!
Product: Mortgage

To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX. 
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX  month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments. 
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply. 
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score. 
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen. 

Thank you for your attention to this matter.
Product: Debt collection

It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.
Product: Credit card or prepaid card

Payment with Chase credit card was due on the XXXX. I scheduled the payment for the full statement balance on the XXXX. I received a confirmation email, and inside the app it still shows the scheduled payment for the XXXX. On the XXXX, it now shows that Im past due, have a late fee attached to my account, interest being accrued on an incorrect balance. All attempts to reach anybody at customer service have had the automated system hang up on me. I need to know if a payment needs to be rescheduled and get the fees and interest waived, but cant contact anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery reported a collection on my credit report on XXXX19 of XXXX. I have not done business with this company, nor received communication of this debt. when asked for validation of debt no information was validated
Product: Credit card

I have been trying to get a hold of someone at American Express in regards to my grandmother 's account she passed away in 2011, I keep getting offered a gift card for a {$4.00} activation fee? All I want is for them to write off the card and close the account like the other card
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items 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 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 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 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 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX has been asked on multiple occasions to validate debt which they have refused to do so. Attached is a letter they have ignored due to invalid information. Even with information being invalid they has still continued reporting
Product: Debt collection

In accordance with the Fair Credit Report Act SCA Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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.
Product: Money transfer, virtual currency, or money service

So many hackers to my account no cash rewards to credit card
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with Santander. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( XXXX, XXXX and XXXX ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting. Santander Bank clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the Santander cards and loan in full so my FICO, Vantage, and other scores will go up before completing the purchase. I have been waiting weeks for Santander to do its job and update my information correctly. 

I called Santander CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from Santander was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by Santander the next cycle. Is unfortunate that Santander seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that Santander Bank will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
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. 

Accounts : XXXX XXXX : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I filed a fraud claim on XX/XX/XXXX. On XX/XX/XXXX, I had forgotten and left my phone at a restaurant. Once I realized the phone was missing, I returned to the restaurant. Spoke with the manager, who advised no cell phone had been turned in that day. Therefor, my phone was stolen at the restaurant. I called the police, who said they would file a report, but without any suspect information, it could not be further investigated. Eventually, I was able to use my iPad at home and use the Find my iPhone feature to locate my phones location. So I showed up at the home where my phone was located and was able to get my phone back. The problem was, I had no passcodes on my phone and no FaceID enabled for personal reasons. This gave the thief access to all my stored passwords and the ability to add their biometric data like FaceID, which they used to get into my bank account and send a {$500.00} unauthorized XXXX transaction. When I discovered the unauthorized transaction, I filed the claim. I was told my claim is not covered under the Zero Liability Policy as Wells Fargo concluded this transaction was authorized. That is NOT the case. On XXXX, I sent a fax with an explanation of what happened in further detail along with my police report from XX/XX/XXXX. Wells Fargo sent a letter back to me stating they are continuing to deny my claim. I called their claims center as I wanted reasoning to why my claim was still denied. The Wells Fargo representative, XXXX, advised there was nothing that could be done and hung up on me when I requested a manager. I called back and spoke with a manager, XXXX, who stated the claim is still denied due to biometric data being used to log into my Wells Fargo app. This was explained in my original claim and in my fax : the thief added their biometric data into my phone. The manager then proceeded to victim blame me and say I was at fault for not having passcodes on my phone and that there was nothing he could do to get my money back. I have submitted a full explanation of the incident that explains every reason they gave me to deny my claim, as well as a police report from the incident. This is more than enough documentation to approve my claim and yet Wells Fargo refuses.
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 XXXX XXXX. 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 : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Payday loan

I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I went to the bank on the XXXX XXXX XXXX I withdrawal a {$100.00} Leaving my balance at {$300.00}, when I check that later on tonight The bank said I had only {$200.00} hey my bank account so there was {$100.00} missing out of my account
Product: Checking or savings account

So I had noticed some unauthorized atm transactions made with my chime debit card & I disputed the transactions on the date I noticed them on my statement which was on XX/XX/year> is the date I filed the dispute & I received a email explaining that it was denied not even a couple hours after I filed the disputes with no explanation to why but said I had to wait 14 days for a letter explaining why I was denied so I called customer service back and they said they couldn't give me any explanation to why I was denied so quickly when I've provided sufficient information & filed a police report to help with the situation like I've never even used my card before at that atm or store so they clearly didn't investigate anything before denying me so quickly. But the transactions were made at a gas station on XX/XX/year> for the amount of {$200.00}, {$200.00} & {$83.00} for a total of {$490.00} was taken from me & these were made at about XXXXXXXX XXXX, XXXX XXXX & XXXX XXXX & the address for that is XXXX XXXX XXXX XXXX, XXXX WA, XXXX. & to help my claim id for the disputed transactions is XXXX
Product: Debt collection

5 years ago I got a HELOC to pay off some credit card debt. 1 of the ones paid off was XXXX XXXX. Seeing how it was paid off from funds through a HELOC I have the amount written in a check register. I do not have access to a canceled check because the bank I had atvthat time has since been sold. I explained to these people that they were paid in full 5 years ago. About 1 year ago they have started putting on my credit report that I still owe them and I do not!! Why would they wait 4 years to notify someone they owe them. Think what I just stated. They waited 4 years after I paid them to say I didn't pay them. Would you wait 4 years to report a bad debt. I have been and will keep disputing this debt. I do not owe them not 1 penny. I'm sick of the constant false reporting on my credit and I'm sick of the harassing calls. Now they are sending stuff to my wife who had nothing to do with my debt that has been paid. It needs to stop now or else. I'm so sick of being harassed by XXXX XXXX and the companies they have supposedly sold my debt to. They need to leave me alone. I'm not giving them any more money.