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

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX XXXX  that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint and concern is against TransUnion. I have had the worst experience ever dealing with this company. I have disputed several items including credit inquiries with this company. I do n't have any accouts with any of the creditors so how is that possible and I did not give consent to run my credit. I have placed a fraud alert on my file and TransUnion are still allowing creditors to pull my file without my permission. None of the inquiries are associated with an account or any firm offer for credit, insurance, court order, or employment. The dispute results are always " inquiries are factual and to contact the creditor '' I have reached out to the majority of the creditors listed and explained my situation and all have advised me that they will send TransUnion, XXXX, and XXXX the information needed to remove from my file. I have received inquirie removal letters from most of them already and I have proof of documentation stating that they will remove the inquirie. How is TransUnion able to send me documents stating that they will not remove because inquires are factual when I have actual letters from the creditors and within the body of these letters it clearly states that they will send the Credit Agencies the proper documents to remove from my file. TrabsUnion is not investigating any of the information. Please have this information removed from my Credit Report.Again, I have no knowledge of these inquiries these are inquiries I have no account. I did not give anyone permission to run my Credit. Being that I have proper documents to support my complaint I wish to have this honored by removal of inquiries from my file.
Product: Credit reporting or other personal consumer reports

I've sent numerous letters to XXXX, XXXX AND EXPERIAN to update an inaccurate and unverified late/missed payment on XX/XX/XXXX they have reporting and each time, they have disregarded. In each letter I requested them to show their investigation process, and they have never showed.I spoke with the furnisher, XXXX  XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and they stated that there is no late/missed payment on XX/XX/XXXX. XXXX, XXXX AND EXPERIAN are deliberately committing fraud by not removing the late payment. XXXX, XXXX AND EXPERIAN have intentionally not done investigations, have not provided the investigation process and not showed investigation process. I require XXXX, XXXX AND EXPERIAN remove the inaccurate and unverified late payment they are reporting.
Product: Credit card or prepaid card

It opened my account at Karna in XXXX of 2019. I've been a good customer always paying my account on time... Several weeks ago I was having issues getting the klarna card so I chatted an emailed several people... I finally got a response they wanted me to send in a picture of my driver 's license which I did... For some reason my birthday was wrong on the Karna account and he asked if I wanted to change that as well as changing my name on the account from XXXX to XXXX because that was on my driver 's license... I told him that it was fine if he changed those two things so hopefully I could get approved for the card ... After he emailed me saying it was updated I received another email stating that my address had been changed... I did not request a change to my address and all of a sudden my {$670.00} available to spend turn to zero and they're telling me I have a past due balance on a different account with a different email!! I have never had another email or another account on Klarna!! I also tried applying for the card again and it keeps saying unable to verify my identity!! How is that possible when I sent them my driver 's license!
Product: Debt collection

I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. 

I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. 

Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone call.
Product: Credit reporting or other personal consumer reports

TransUnion, I have carefully examined a recent copy of my credit report from your agency, and I am writing to bring to your attention several errors and inaccuracies that I have identified. These incorrect entries are negatively impacting my ability to obtain new lines of credit. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ). This provision states that when preparing a consumer report, a consumer reporting agency must use " reasonable procedures to ensure maximum possible accuracy '' of the information contained therein. Unfortunately, it appears that your agency has failed to uphold this standard with respect to my credit report. 

I believe that these entries contain inaccuracies and require immediate correction. 

XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX In accordance with FCRA regulations, I kindly request that you investigate these matters and make any necessary adjustments to my credit report without delay. If you determine that any of the above-mentioned entries do indeed contain errors, please delete them promptly. 

Furthermore, I would appreciate receiving written confirmation once all corrections have been made. Please provide me with an updated version of my credit report free of charge within five business days after completing your investigation. 

Thank you for addressing my concerns regarding the accuracy of my credit report. Should you need additional information from me during your investigation, please feel free to contact me at your earliest convenience. 


Truly yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX ACCT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair report credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX I # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 furni instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of cr 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt collector XXXX and XXXX is in direct violation of my privacy right by contacting my employer XXXX XXXX  which in turn shared my information with XXXX XXXX XXXX company to garnish my wages for XXXX - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX XXXX The balance is intentionally being reported with incorrect info from XXXX and XXXXXXXX  as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap
Product: Debt collection

sessoms and rogers PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off XXXX XXXX  XXXX credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account numerous of times with I.Q. Data Solutions. I have requested the proper verification to show that I am responsible of a debt owed with I.Q. Data and they have failed to validate or provide any contract binding me legally with this company. Each time I have called to speak to a representative I am either hung up on, placed on an extensive hold or spoken too rudely and inappropriately. This issue is affecting my credit score and credit repairing. What they have provided with me with shows no proof that any agreement or contract was signed with them.
Product: Payday loan, title loan, or personal loan

Ally Financial illegally repossessed my vehicle through a third party debt collection service on XX/XX/2021. They violated my privacy by coming onto my property and stealing my car and selling it w/o my consent. The company continued to call and harass me illegally through XXXX XXXX after the matter. I have compiled exhibits to show evidence of the matter at hand. Also when purchasing the vehicle the bank coerced me into payments on the vehicle when pursuant to 15 USC 1605 ( a ) the " finance charge '' is defined as the sum of all charges. I also paid {$2000.00} cash down during a consumer credit transaction.
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. XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  Inquired on XX/XX/2022, 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
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent Experian a certified mail letter stating there are old outdated addresses on my consumer report and to delete them. 
I can not receive mail or any correspondence, nor ; do I have access to any of these addresses. 
I am afraid this may cause IDENTITY THEFT and I am demanding the information be DELETED and updated to my correct address! 
I have tried to resolve this issue multiple times with EXPERIAN and they have not made any effort to resolving this matter! 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ) I am a FEDERALLY PROTECTED CONSUMER and I have a right to PRIVACY!

Not granting me my rights ia in direct violation of 15 USC 1681 and all it's subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Product: Mortgage

We are asking for a loan modification from Nationstar. The information was submitted on XX/XX/2016. Upon calling ( they do not call you ) they are constantly asking for additional information, We are on our fifth transmission of request for information. Each time we call there is something new requested. Upon asking for a midigator or underwriting they can not forward the call. And when asked why this was not requested previously all they can say a different person must of looked at the file. We are now over 30 days and they are still requesting information. It appears as if they are stalling so that this goes into foreclosure.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I demanded deletion of the Public Record XXXX and all accounts that has XXXX listed with it deleted off my credit report if no physical verification is able to be provided. I received a notification via email from Transunion and XXXX saying my Public Record was updated after both credit bureaus were reporting inaccurate information. If I read the law correctly under FCRA it stated that inaccurate information should be removed deleted. I received a letter from the Court stating they do not provide XXXX information to the credit bureaus.
Product: Mortgage

My current mortgage company name is Guidance Residential. They are charging additional {$18.00} every month in the name of LLC FEE. I had no idea about this fee/charge until closing documents were being signed. When I questioned this to company 's lawyer he said nothing he can do about this. At that point it was too late for me to back out from refinancing. 
I have been with few different mortgage companies and never paid any such fee. I got know that a lot of people who are complaining about this and that's how I found out about this forum. We want this illegal charge to stop and refund from past payments. Please investigate and free us from this ripp off. Thank you
Product: Consumer Loan

In XXXX XXXX we secured an RV loan on a XXXX new Bounder motorhome of {$56000.00} thru US Bank. At the time we specifically told the agent we would pay off the loan within the next 12 months and he said no problem and no penalty. Now here in XXXX XXXX we get the amount to pay off and they are going to charge {$200.00} early payoff penalty, totally the opposite of what their agent told us!!!
Product: Mortgage

Ive been trying to do a short sale on my property and the buyers backed out multiple time now i have found someone who is interested in doing the deal so i need XXXX more try to sell my house so i dont have a forclosure under my name
Product: Credit reporting or other personal consumer reports

Caine & Weiner is a third party debt collecting company. I never entered into any agreement with them. Caine & Weiner is fraudulently putting information on my credit report and constantly harassing me for a debt I do not owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of my accounts in my credit report are reporting late payments, one is for my XXXX car during the Pandemic period and the other one is for the Mortgage of my house, the latter has been transferred from several banks and I have never failed to pay a single one month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Late Payment Removal XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/2021 This item is inaccurate because the CARES Act provided protection to consumers who were affected during the XXXX pandemic. These late payments occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 

I believe this adverse information has been incorrectly added on my credit report. 
Please remove the negative payment history from my credit report.
Product: Credit card or prepaid card

I purchased an XXXX flight using my Capital One Mastercard on XX/XX/2020 for the amount of {$800.00}. The flight was due to take off in XXXX. XXXX cancelled the flight " due to an abundance of caution. '' I requested a refund from XXXX and they refused, offering a flight credit for a flight from XXXX that expires in less than a year. I then disputed the charge with Capital One but they too refused to issue a credit, stating I did not document " how the merchant violated an operating guideline. '' XXXX says the flight is nonrefundable but that does NOT apply ( according to their own contract of carriage ) if they fail to provide the flight. 

XXXX 's Contract of Carriage in Section 17 : Schedule Irregularities/Changes and Cancellations states In the event of a schedule irregularity ( cancellation ), the carrier will provide certain options. They may provide for alternative transportation in this case however Section 17.3 ( 5 ) clearly states that when the passenger declines the alternative transportation proposed by the Carrier, the unused portion of the passengers tickets will be refunded. 

This cancellation was wholly within the control of XXXX as they clearly stated this was a preventative measure and not because of any rule or regulation imposed by any governmental authority or other travel restriction so this should be classified an involuntary refund and therefore the rules under Section 21.2 should apply. 

Mastercard 's policy document called " Dispute Resolution Management During COVID-19 '' states customers are due a chargeback if " the cardholder prepaid for services ( e.g. flight or hotel reservation ) and the cardholder was notified that the merchant will not be able to provide the services. '' Finally, according to US law, that " U.S. and foreign carriers, operating at least one aircraft having a seating capacity of 30 or more seats, that passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' I have clearly declined the Carriers alternative transportation and are therefore respectfully requesting the refund in our original payment form as required by the Contract of Carriage.
Product: Credit reporting, credit repair services, or other personal consumer reports

We experienced a financial hardship after Hurricane Florence and have letters from XXXX XXXX XXXX stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, XXXX XXXX XXXX falsely reported to Transunion that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from XXXX XXXX XXXX during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.
Product: Vehicle loan or lease

We applied and were approved for a new car loan through Toyota Financial Services. We also requested their advertised {$500.00} rebate through their " XXXX XXXX XXXX XXXX ''. The car dealership ( TX ) loan officer said that my child needed to provide an official transcript showing enrollment in an accredited graduate program and a current pay stub to qualify for this program. We provided a transcript from the university XXXX XXXX XXXX  showing that they are accepted, enrolled, and will be starting XXXX school at the university. We also provided a paystub for the past month from a US govt agency showing that they had a job and was being paid through a fellowship administered by the government agency. The loan officer now claims that these documents were not accepted by Toyota Financial Services as proof of enrollment in graduate school and employment. They are now claiming to need letters from the university XXXX XXXX and the government agency stating my child is enrolled and employed, respectively, This really feels like a bait-and-switch program.