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

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$630.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

Hello, I was charged $XXXX  for shipping on a pair of shoes using XXXX on SundayXX/XX/2019. The person selling the shoes contact me via social media (XXXX XXXX XXXX) and had told me that I had to pay for shipping and that I could do that through XXXX. He gave me the information I needed to process this payment, I then realized that the person selling the shoes was a scammer and in fact I was not going to ever receive any shoes. I processed the payment through my bank mobile app that provides the use of XXXX. Being a first timer, I thought I had protection and ability to get this money back or at least cancel the payment from processing the payment placed if anything like this happened. My bank, Bank of America is not willing to help cancel the payment or refund me this money and would like to receive help to get this money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to the credit bureaus ( XXXX, Transunion XXXX XXXX ) requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from either of them or any acknowledgement that an investigation has begun. 
I have attached proof of delivery from the postal office.
Product: Bank account or service

I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund.
Product: Debt collection

I have disputed this account a couple of times and they fail to show proof of me owing any debt to them
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out regarding several concerns with my credit report, such as incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and inaccuracies in reporting. I need your help in resolving these issues to ensure my financial stability.
Product: Credit reporting or other personal consumer reports

I have repeatedly stated to the credit reporting agency that this information is over XXXX years old.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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

XXXX XXXX XXXX Via XXXX XXXX XXXXXXXX XXXX XXXXXXXX Claim # XXXX Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Wells Fargo, On XX/XX/year>, I filed a fraud claim on my debit card. Someone got a hold of my debit card # and made three fraudulent withdrawals from ATMs two hours from my house. Below are the three fraudulent charges. 

1. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXXXXXX XXXX {$53.00}. I have never been to this location in my life. Please check security cameras. 

2. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, XXXX  {$88.00} I have never been to this location in my life. Please check security cameras. 

3. Non WF ATM Withdrawal on XX/XX/year> XXXX XXXX XXXX XXXX, XXXX {$68.00} Again, I have never been to this location in my life. Please check security cameras. 

I am a college student and have worked hard over the summer to save for this semester. These three withdrawals are fraudulent. I am asking for a Wells Fargo representative to take my claim seriously and at least investigate it longer than 24 hours. I had my debit card in my wallet the night these fraudulent withdrawals happened which means someone must have stolen my debit card # and made a fake debit card. Please, Wells Fargo, investigate this claim further and look at security footage. I am requesting Wells Fargo send me all copies of documents used for this investigation. 
Thank you, XXXX XXXX XXXX Claim # XXXX
Product: Debt collection

I have repeatedly disputed debt of {$1000.00} that is not mine, which Portfolio Recovery Assoc. claim I owe. In disputing I have repeated requested verification of this debt showing that a legally binding contractual obligation exists between me and the creditor. I have also requested explanation of the claimed amount owed, and how that amount was calculated. I have specifically requested copies of the original credit card application, and documents containing my signature ; of which I have received none. PRA just keeps sending me a copy of an old bill from the " original creditor '' XXXX XXXX. I have disputed this inaccurate data and have requested proper verification of this debt at least five times this summer alone. I sent a final notice on XXXX XXXX, 2017 stating, " This will serve as your final notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all collections with me in regard to the account referenced above. This account remains unverified and should be removed from my credit report immediately. As I am sure you are well aware, under FDCPA section 809 ( b ), you are not allowed to pursue collection activity until the debt is properly validated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my XXXX credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within 24 hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.
Product: Checking or savings account

I opened a Checking 's account With citizens and waited for my card to come in the mail for about a week and a half. When i finally received it i called and activated it, it said it was successful. However when i went to use it I got declined so i called customer service they told me they fixed t and my card should work. so i head back to the store,  Again declined. so again i call customer service they said i never activated my card i told them i did twice now and they said no problem and the card should work not. So now for the third time i head to the store, the only difference this time was when my card got declined the cashier told me t came up expired. so now again calling customer service i asked to speak with a supervisor and after being on hold for 43 minutes i got someone saying all the supervisors were busy and that she could help me. She explained that the mailed out the card had then ordered a replacement card. I asked why they ordered a replacement card they could n't tell me why. Then told me it would go to my new address ( which i had to call 4 times just to get them to change before actually having to go in the branch for them to actually do it ) it did not in fac t it went to an address i never lived at coincidentally it was a friends house thank  XXXX  for that or someone else would have had my bank information. but even worse is now that i finally got my new card after a months wait i go to use it and guess what. You 're right DECLINED. so now I 'm getting late fees because citizens screwed up and wont let me access my money!!!!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax credit , Bureau has placed a fraud, alert and personal statement upon my credit report without my consent or authorization I requested several times via phone and in writing for them to remove this information that I did not consent or authorized, though they refuse requesting frivolous and event documentation.
Product: Debt collection

I do NOT have any debts. I do NOT know why this company is calling and harassing me. I've asked them to stop calling me and they persist. The company calls and doesn't leave a message. I XXXX XXXX searched the number XXXX and it comes up at Credit Solution Corp.
Product: Credit reporting or other personal consumer reports

I been going through my credit report from Experian, and i notice something are incomplete and inaccurate and also old account that have more than 5 years in the credit report that should be removed. i sent a letter to Experian XXXX of XXXX, asking then to investigate the completeness and accuracy. i receive a letter from Experian but they have didn't do nothing about it. therefore breaking the law. 

according to 15 USC 1681e ( b ) states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

according to 15 USC 1681i ( 5 ) states that ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

according to 15 USC 1681s-2 states that ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

all i want is that this inaccuracy account be delete.
Product: Mortgage

My loan was sold to Shellpoint Mortgage Servicing and they won't let me set up auto payments. They claim my payment for XX/XX/2018 was not made but it was made to the previous mortgage company on XX/XX/18. They said they have not received the funds yet. This isn't and shouldn't be my problem. I paid on time like I am supposed too. Now they won't take my XXXX payment and I might be subject to late fees if paid after the XXXX. This is predatory lending. Please tell them that this is not my problem. They need to figure out XX/XX/2018 's payment with the previous mortgage company. Not me! Thanks and hope filing this complaint helps.
Product: Debt collection

Fraudulent XXXX XXXX XXXX  Reported by XXXX XXXX XXXX XXXX filing a formal complaint against XXXX XXXX, a debt collection agency, for reporting an inaccurate and unverified child care debt to my credit report. XXXX XXXX is attempting to collect a debt allegedly related to XXXX XXXX XXXX, but my child never attended this facility, and I never signed any contract agreeing to be financially responsible for any services. 

XXXX XXXX : XXXX XXXX placed a collection account on my credit report without providing any valid documentation proving that I owe this debt. 
I formally requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), specifically asking for : A signed contract with my original signature proving I agreed to pay this debt. 
Proof that child care services were actually provided to my child. 
A chain of title showing XXXX XXXX legal right to collect this debt. 
A full payment history or records of any prior payments related to this account. 
XXXX XXXX failed to provide proper verification but continues to report the debt to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) by reporting inaccurate and unverified information. 
How This Has Affected Me : This fraudulent collection account has negatively impacted my credit score. 
I have spent time and effort trying to dispute this invalid debt with no resolution. 
XXXX XXXX continues to harass me for payment on a debt that I do not legally owe. 
Requested Resolution : XXXX XXXX must immediately remove this inaccurate collection from my credit report since they have failed to verify it. 
They must cease all collection attempts unless they provide legal proof that I am responsible for this debt. 
If XXXX XXXX can not provide sufficient documentation, I request that XXXX  record this complaint as an example of fraudulent debt collection practices.
Product: Debt collection

ATT account was paid in full in 2019 to original creditor. Surprisingly it was sold as an unpaid debt to XXXX XXXX agency.. This was paid in full by debit card.
Product: Credit card

Fidelity Visa recently transitioned from having FIA Card Services service their Fidelity-issued cards to having XXXX XXXX XXXX service their cards. The transition happened on XXXX XXXX. On XXXX XXXX, a payment was sent from my Bank of America account to FIA Card Services to pay off a balance and Fidelity can not find the money. FIA Card Services, which is affiliated with Bank of America, researched the payment and found it, but told me it will take five to seven business days to further research and to apply the payment to my outstanding balance. It is bad enough that a financial institution lost a payment. And even worse when they themselves acknowledge the payment was successfully processed that it takes almost two weeks for it to be applied to my card balance. There 's more : on XXXX XXXX, which was AFTER the transition, I initiated two additional payments via Fidelity 's automated " Pay Card Balance '' option which is right on the Fidelity website. The payments were not processed until XXXX XXXX -- well after the transition -- but Fidelity sent those payments to the wrong credit card processor -- their own no longer valid credit card processor. So Fidelity broke ties with FIA Card Services, notified their cardholders not to use the old cards, but continued, via an automated option, to send payments to the old processor. Those payments hit my account on XXXX XXXX and today, as of XXXX XXXX, Fidelity can not find those payments either. To add insult to injury, Fidelity has frozen my credit card. I tried to charge {$23.00} for gas and my card was denied. These are egregious errors that shake my confidence in Fidelity as a financial institution.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company TRANSWORLD SYS INCXXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr XXXX ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.