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

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. I initially opened the account and was informed that it would be active within a specific timeframe. I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. I visited the branch in person to seek assistance, but unfortunately, the problem persists. I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}.
Product: Credit reporting or other personal consumer reports

Subject : Civil Liability for Negligence Violation of FCRA 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, which has remained unresolved due to your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, your actions ( or lack thereof ) have resulted in negligent non-compliance, violating 15 U.S. Code 1681o, which holds agencies civilly liable for failure to uphold their legal obligations under the FCRA.

Summary of Negligence & Non-Compliance : Failure to Properly Investigate My Dispute : I submitted a dispute on XX/XX/year>, regarding XXXX XXXX XXXX XXXX  ( REPORTING TWICE ) 2 ACCOUNTS XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX yet the investigation was not conducted properly, nor was any legitimate verification provided. 
Reinsertion of Previously Deleted Information Without Proper Notice : A previously removed account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX was reinserted without notification within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Failure to Provide Documentation or Verification : I requested verification of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX yet no sufficient proof of its accuracy has been provided. The FCRA mandates that unverified accounts be removed. 
Legal Basis for Civil Liability : Under 15 U.S. Code 1681o, any party that negligently fails to comply with FCRA regulations is liable for : Actual damages sustained as a result of the violation ; Attorneys fees and court costs, should legal action become necessary.
Product: Credit card or prepaid card

Acct paid in full XXXX when first statement ( dated XX/XX/2022 but not rec 'd til end of XXXX ) received. Statement late, payment refused by storefront, I paid as soon as I found a mailing address. Contacted Citibank multiple times. Initial late payment fee reversed, but still being charged for late payments and interest for not paying the reversed late payment. Account should be paid off with the XXXX payment if the late payment is reversed. Instead Citi is reporting delinquent payments and a balance due that has now grown to more than {$74.00}
Product: Debt collection

I've had Two accounts that have not been properly verified from HMC Group, the first one is for {$3000.00} and the second one is for {$400.00} which was placed on my credit report on or around XX/XX/XXXX. I have disputed both items numerous times only to get a Verified response without written proof or my original contract signature with this company. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alliant federal credit union in XXXX XXXX is reporting an account on my credit consumer report ( XXXX ) XXXXXXXX XXXX and XXXX account # XXXX this account was previously deleted from my consumer reports.This is not my account!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** and XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from equifax, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureaus Transunion, XXXXXXXX XXXX XXXXXXXX about false inquires on my credit report impacting my credit in a negative way, however they still have not removed said inquiries and information form their reports. Ive called and sent letters and am still waiting. I want them to remove these inquiries and false information!!! XXXX XXXXXXXX bank inquiries on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX, XXXX on XX/XX/XXXX.
Product: Consumer Loan

Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft, XXXX and TransUnion Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.
Product: Debt collection

Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
Product: Payday loan, title loan, personal loan, or advance loan

The original loan is for {$500.00}. They are charging me amn interest rate of 648 % and expect me to pay {$2600.00} if i take it out for THEIR terms required. I have made 2 payments already of XXXX and they are still quoting me XXXX pay off for today. This does not seem legal. Thank you
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a situation. 

Apparently, student loans can be garnished without a court order. 

My wages are being garnished for a student loan that is either not mine or has an enormous amount of bad information. Wrong name wrong amount wrong interest rate XXXX in unexplained late charges. I believe the only piece of accurate information is my social security number. 

The company that is garnishing my wages sent me a letter saying I had 30 days to dispute the validity of the debt. I sent a certified letter disputing the validity of the debt. They wrote back a very strange letter that seemed to indicate that because my name was not the one on the garnishment I could not dispute the garnishment. I think this reasonably means they do not believe that I am the person named in the debt.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a XXXX-party, or debt buyers in general. The rules are as follows : XXXX. A debt XXXX must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt XXXX license, bonding number with XXXX  XXXX name and address, a copy of any assignment to collect on original creditors behalf, XXXXr copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purcghase agreements, which is a violation of requirements with the XXXX and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports XXXX XXXX XXXX, XXXX and XXXX XXXX respectively.
Product: Credit card or prepaid card

I ordered a living room set sofa and a loveseat from  XXXX  i never received the items from  XXXX . Capit al one credit card charge my account. And when I call Capital one  concerning the issued they never resolve the problem. But when I talked to  XXXX  they say the already refund the money to capital. But capital one still refused to give me my money back to my account. My credit line is {$2800.00} but capital  one  just increase the charges on my account now my account is {$4200.00}. That is why I 'm reaching to you guys to resolve this problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case XXXX XXXX Experian XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called many times TransUnion to report that I never did a bankruptcy that was reported under my old XXXX account. I disputed two times, and they always answered that after dispute it is there to stay until XXXX. I called XXXX, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of XXXX, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with TransUnion, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with TransUnion this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? TransUnion as the goal to destroy people only. They just care for the paid clients like XXXX. 

I will attached also a letter directly from XXXX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt. 

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible. 

I also have another NEW problem with TransUnion since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

I was making payments on time, but they insisted on taking money from my account.then I was hit with an unexpected financial burden .so I had to stop payment, until I could get back on track, but then this month they went into my account unauthorized took the money for my rent and utilities, my untilites are going to be shut off and Im facing eviction
Product: Credit reporting or other personal consumer reports

I had my identity stolen in TX and made a number of complaints to get it resolved. It was though XXXX  I submitted a complaint about it last XXXX though XXXX and never received anything from the collection company and XXXX  would not provide the information because the SS # matched but the DOB they had on file did not. It was within the past week added to my credit report as a collection when I though it was resolved I informed both the company ( XXXX  ) and the collection agency it was fraud. I thought it was resolved until it showed up on my credit report as they refused to send me the information I requested and I informed them it was fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


Delete the accounts below : XXXX XXXX - XX/XX/year>
Product: Money transfer, virtual currency, or money service

I've sent a previous complaint ( XXXX ) where I've described what happened : " Since XX/XX/year>, I have contacted Marcus by Goldman Sachs customer service multiple times to request the linking of my external American bank account. I provided all required information and was informed that I would receive a trial deposit within XXXX business days to complete the linking process. However, the trial deposit has not been processed, preventing the linking of my external bank account. As a result, I am unable to withdraw my funds from Marcus by Goldman Sachs. Despite multiple follow-ups, the issue remains unresolved. Each time XXXX contact customer service, I am told that the trial deposit will be completed within XXXX business days. However, this has not happened. According to my call records, I have gone through this repetitive process on XXXX occasions since XX/XX/year>. On each occasion, I was assured that the trial deposits and account linking would be completed within XXXX business days, but this commitment has not been met. I would appreciate your assistance in resolving this issue promptly, as I need access to my funds. '' As you can check in the records, Marcus by Goldman Sachs stated that " In accordance with the Banks XXXX, customers may not link a business account. Unfortunately, the external account the Customer attempted to link is a business account and does not meet the Banks requirements ''. 

However, the external bank account is an individual/personal account ( see a copy of the customer details below form the external bank ). This clearly indicates that the external account is a personal account. 

REQUEST XXXX Therefore, I request that Marcus by Goldman Sachs complete the linking process by sending the trial deposits.

REQUEST 2 Additionally, I am requesting proof, such as documentary evidence, confirming that Marcus by Goldman Sachs attempted to send the trial deposits to the external account. I am asking for this proof because I was told by XXXX on several occasions that the trial deposits would be sent. 

REQUEST XXXX I am also concerned because I have been repeatedly told that the account was already linked and that the only remaining step was the trial deposit. Why were all the XXXX support representatives assuring me that the account was linked and that only the trial deposit remained to be processed? Now, you are telling me a different storythat the external account was never linked. Can you please explain this discrepancy and the change in approach by Marcus?
Product: Credit card

I purchased XXXX wood shutters from XXXX they were ordered and billed on the credit card a fee of XXXX, the ordered was cancelled by JC penny because it had been over 6 months since the XXXX guy had measured. He came out again and measured and we ordered XXXX blinds for {$950.00}. This should be the only charge. XXXX refuses to remove the XXXX even though we have called and had the lady who sold us the blinds on the phone with us. They SAY it 's removed but I just got a new bill today and it is still on there with a XXXX late fee charge. I 'm hoping you can help get XXXX removed from my card as well as the late fee.
Product: Debt collection

I have sent a debt validation letter for the following accounts : XXXX XXXX XXXX Bal {$500.00} acct # XXXX XXXX XXXX XXXX XXXX {$630.00} acct # XXXX XXXX XXXX XXXX Bal {$1100.00} Acct # XXXX XXXX XXXX XXXX Bal {$1100.00} acct # XXXX XXXX XXXX XXXX Bal {$730.00} acct # XXXX XXXX XXXX XXXX Bal {$1200.00} acct # XXXX Jefferson Capital Bal {$290.00} acct # 3706 Jefferson Capital Bal {$650.00} acct # 3893 Jefferson Capital Bal {$3400.00} acct # 3723 Jefferson Capital Bal {$600.00} acct # 3706
Product: Mortgage

The company continuously deflects responsibility and is practicing deceptive practices against me as a consumer trying to modify my loan or get a forbearance. Every-time I ask them to reach out to the original lender XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are the servicing lender for to help work out a payment plan due to a predatory loan they ignore me and say they are just the servicing lender and refuse to give me contact info for them ir refuse to help negotiate and try to take a neutral stance. They continuously deceive me and lead me to believe I can possibly modify the loan by sending me letters and calling only to be declined stating the loan matured now. It is a circus and they are trying to deceive me on the phone and bully me with perdonal opinions ifvreps from their modification department criticizing of why i am behind which is discriminatory and unprofessional of a banking institution fuecto my age they are trying yo intimidate me to give up my home instead of trying to help me. They want to collect XXXX but sellout on the steps for XXXX. They are deceptive and tell me to apply for modification and depending on who you get on the phone then say i should not apply. They are unfair practices and i am asking for the CFPB to also give this file to the attorney general of Georgia since Mr cooper is under investigation by over 40 other states. This is pushing me as a consumer into a foreclosure. The CFPB should sue them as Mr. Cooper has cost me several XXXX dollars in interest payments as in addition to this if a customer is in modification they can not get thru the phone lines and I was not allowed to make my payments online making it an unfair and deceptive to the consumers. 

I am asking them to reduce my payment by giving me a 30yr loan and not interest only like I have. I want an amortized loan as every modification the payment was higher not lower but yet they deceive you saying their modification will lower your payment when in fact they increased it. 

I believe they should credit me XXXX dollars in interest and modify the loan for the same XXXX! that they want to foreclose on me for.
Product: Prepaid card

In XXXX of XXXX, my sister received an EIP card enabled by Money Network. She never activated the card and died in XX/XX/XXXX. 

In XXXX of XXXX, I called Money Network and was told that the {$1400.00} dollars associated with the card had been transferred to a " personal account at a financial institution '' on XX/XX/XXXX. 

I immediately informed Money Network that neither my deceased sister nor myself was responsible for the disputed transaction. 

Since my assertion of fraud, Money Network has refused to admit their error in the transaction and has not contacted me in furtherance of a real investigation and resolution to this matter.
Product: Mortgage

I have disputed this issue pertaining to my payment and XXXX still has not fixed the issue. XXXX  fails to update my mortgage payments on my NationStar.I have requested /disputed that update all of my unreported payments and they still have not which give me incorrect credit scores. during their monthy reporting of XX/XX/XXXX they only increased my score by XXXX point when they have over of 60 updates that they failed to update. They show a correct balance but the payments doesn't reflect on the grid. I am missing updates from XXXX - XX/XX/20XXXX XXXX