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

I am submitting a follow up to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Possible Finance , Inc. ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ). 

As of today, Monday XX/XX/2023, Possible Finance , Inc. has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX issues. TransUnion disputes. XXXX. XXXX. Dispute prior and removed. A same as cash loan. Paid in full. Business wanted to overcharge me for a billing issue as their clause is if any billing issues then same as cash voided and want paid above same as cash option. XXXX purposefully messes up billing to try to gain funds over the same as cash option. Prior dispute TransUnion removed. I disputed again XXXX times after because placed back on wrongly and old age and billing issue as stated above dispute refused by TransUnion. Over XXXX XXXX XXXX. 
XXXX. Had a same as cash loan XXXX. XXXX purchase. High price due to shortages. XXXX mishandled on my credit report balance and payments. Reported under a different source also XXXX XXXX. From what I paid and how many times I paid to XXXX under billing on their website it was paid in full. XXXX or XXXX refused to correct or remove from report. TransUnion would not remove or make them correct. Wrongdoing by all parties. By law reports MUST be accurate. No one will adhere to laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Experian credit reporting has failed to respond to my dispute letter for CMRE which were sent certified mail and signed for.
Product: Credit card

In the XXXX  of 2024, XXXX, I was told this card was paid off. XXXX months later, I began getting called for an amount of XXXX $ left as a balance on the card. I remember in XXXX that I switched addresses and gave them my detail address, I found out that they also misspelled my name on the email, so for XXXX  months I wasn't getting told about this account at all. I also have phone records showing that I didn't receive a single phone call about this account up until the end of the year. When I asked why I didn't get a phone call, they told me that the phone calls were a curtesy to their customers. 

I have an email from XX/XX/XXXX showing that I owe XXXX $ to this company as a remaining balance. In my bank statements from the XXXX, it shows that I paid XXXX XXXX so XXXX $ should've been left on the card. Today I called to pay off the remaining balance and was told that I actually owe another XXXX XXXX I asked if the account was now closed after paying XXXX $ and I got a very vague response.
Product: Credit reporting or other personal consumer reports

My criminal record is not correct on my tenent screening
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filled a dispute with experian and they denied to follow up with the investigation. They have violated my rights as a consumer as well as federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Navy Federal on XX/XX/XXXX  because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.
Product: Student loan

I co-signed a student loan ( XXXX ) for a friend 14years ago. The loan evidently was not managed well by the primary on the account. I was noticed a few times he was late on payments, but the account was always brought up to date, or so I thought. Last XXXX the primary on the account notified me he was going bankrupt and the account would be my responsibility. I contacted the lender and was dismayed to learn the original loan amount ( XXXX ) had almost doubled XXXX ). I never received any information on the account other than when a payment was late. I have my own student loans which are current and have been payed faithfully every month. When I found out the ridiculous amount of the loan and the fact the company had not been due diligent in keeping me up to date I asked them to work with me to have the loan reduced and the interest rate changed to a fixed rate. The company was not interested in working with me. I contacted my state Senators and they were not successful, the lender basically said, too bad ... you co-signed it is your problem you did not check in on the loan over the past 14 years ago. I have been paying the loan, which is in the " interest only '' repayment phase, the interst rate has gone up twice in the past 11 months. I asked the lender if they would refinance the loan ... I received a resounding " NO ''. I then contacted several other banks in regard to refinancing ( which I did receive many offers with significantly better rates and terms ) but I found out I need to have the primary lender release the loan. I contacted Navient, yet again, and they have been non-responsive. I am at my wits end, I have never received such awful treatment and an unwillingness to work toward an acceptable solution. I have done all the leg work and been the onXXXX contacting Navient, they are not customer friendly and I find their business practices deplorable and their rates usury. My state Senators have not had any success with them either. I am fortunate my primary student loans were with XXXX XXXX and they worked out a great repayment plan with me. When Navient purchased XXXX XXXX, all customer service and humanitarian business practices appear to have been discarded.
Product: Money transfer, virtual currency, or money service

I made a purchase for specific items ( collectible high end figures ) and used PAYPAL CREDIT to purchase said items. Under using PayPal they have a guarantee of safety. It turned out the seller scammed me and instead of sending me what we agreed to, seller admitted to scamming me by name calling me and sent a completely different bogus item once I opened a claim with PayPal Credit. I dont understand how PayPal denied my claim when I sent them exact proof that I was scammed. I have the entire message conversation with the scammer and I video recorded the fake package he sent me. Im literally speechless as to their decision for siding with an obvious scammer.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX, I received a text : XXXX ( XXXX ) XXXX stating Navy Federal C.U. Alert| Did you authorize a payment in the amount of {$4200.00} via Mobile Banking App. Reply " NO '' if not recognized, if so Reply " YES ''. Msg & data rates may apply. And then I received a call from the same number as they claimed that {$4200.00} was paid in the state of Maryland, where I am in Virginia. This person claims to make me send {$4200.00} to 2 individuals claiming to be case managers theyre known as XXXX XXXX with account number:XXXX  and XXXX XXXX with account number:XXXX. I lost a total of {$8400.00} and contacted navy federal official number from the app and explained what happened. Leading to submitting a fraud claim investigation, whereas they denied it since the transaction process was member to member by me on the app when I hadnt know I was scammed. I filed a police report with tracking number XXXX insisting that I should get my scammed money back.
Product: Credit card or prepaid card

I was alerted about a credit check on XX/XX/23 about someone attempting to open a Discover Credit Card using my information.
Product: Credit reporting or other personal consumer reports

I submitted my dispute on XX/XX/XXXX via CFPB # XXXX Trans Union Received it on XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  Trans Union again requested my identification which Trans Union should have my identification on file because I already sent it many times. I have uploaded my State I.D., Social Security Card. 
The dates I sent my identification is : XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX, and again yesterday on XXXX 

I plead with CFPB to investigate this matter because I feel this is a stall tactic. 

The basis of my dispute is that XXXXXXXX XXXX  is in violation of XXXX XXXX and could be liable to pay very harsh fines due to XXXXXXXX XXXX  FAILURE to send me as a former customer PRIVATE POLICY NOTICES that are required initially and annually to customers and former customers. 

The fines are from {$10000.00} to {$100000.00}. 

Additionally, FCRA Section 602 states I have a right to privacy and FCRA Section604 ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

Additionally, Trans Union has Failed to conduct a reasonable investigation in a timely manner and are in non compliance in accord with FCRA 611 ( a ) ( 1 ) ( A ).

Trans Union is also compelled delete the 2 Comenity accounts illegally reporting on my credit report. 

Delete these accounts : Trade : XXXX XXXX XXXX Trade : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion for knowingly reporting false and inaccurate information on my credit report and failing to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Violations & Legal Concerns : 1. Fraudulent Charge-Off Date & Balance Reporting Violation of 15 U.S.C. 1681s-2 An account that was charged off in XXXX is now being fraudulently updated in XXXX as a fresh charge-off with an active balance, which is factually incorrect and a blatant misrepresentation of my credit history.

This misreporting is materially misleading, negatively impacting my creditworthiness and violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or outdated information.

Legal Violation : The credit bureaus are failing to uphold their duty to report accurate information under 15 U.S.C. 1681e ( b ). The continued presence of this erroneous charge-off could result in a lawsuit seeking actual damages, statutory damages, and punitive damages under 15 U.S.C. 1681n. 

XXXX XXXX
Product: Mortgage

My mortgage servicer is LoanCare, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX. On XX/XX/XXXX, I received a letter from the County Tax Collector that taxes for 2016 were not paid. The county is also charging me a {$240.00} delinquency fee. I e-mailed copy of letter to Loancare, since it is their responsiblity to pay my propery taxes from my escrow funds. I have more than enough funds in my escrow account. It 's been 2 months since I sent them the delinquency letter and my concerns have been ignored by this company, even after numerous e-mails and half a dozen phone calls. The customer service reps on the phone keep telling me that they will escalate the issue to a higher level and respond within 48 hours. This is the worse mortgage service company that I have ever had to deal with. I even asked if I could take control of my own taxes and forgo escrow with them. That way I can make sure my taxes are paid and make sure this doesnt happen again. They refused saying that I would need principle to be less than 20 % of the value of the house. This company is negligent in their duty to service loans.
Product: Debt collection

A debt was submitted to collections based on an incorrect address. The correct address in question was for XXXX XXXX. This debt collector has the address in question as XXXX XXXX. I therefore received no communications regarding this debt from the debt collector or from the original service provider.
Product: Debt collection

On XXXX MST on XX/XX/year> I received a call and voicemail that was very aggressive saying a man named XXXX XXXX needed to call back regarding his client All Inclusive Contracting. They said I needed to call them back ASAP or that they would pursue litigation. 


This was not the correct XXXX XXXX as I do not own any properties or have worked with a Contracting company before. 

This also caused me to waste 2 hours of my time calling medical providers thinking this was a past due medical debt when it was confirmed I am current on my medical payments and do not own anything. I also tried calling RAB XXXX  for clarification but their number leads to a dead end with no way to leave a voice message or contact a person. 

I would like RAB XXXX to stop contacting me and make sure they are calling the right people in regards to their debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts XXXX which are five years or older to have them two years and the average is 48 months and they had me down at 32 months of credit age history
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a bank account for a XXXX XXXX XXXX at First Republic Bank and I gave my SSN and did not authorize them to run my credit but they ran it anyway. This is unacceptable banking behavior and I hope you can let them know their mistake and remove the negative points on my credit report.
Product: Checking or savings account

Account charged multiple insufficient funds fees Account showed sufficient funds when making purchases, only to charge fees when the transactions were later processed
Product: Credit reporting or other personal consumer reports

I'm requesting that Transunion delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mi XXXX
Product: Money transfer, virtual currency, or money service

Western Union : Transaction Date : XX/XX/XXXX Transfer Amount : XXXX USD Transfer Fee : XXXX USD Additional Fees : XXXX EUR Expected Payout Location : XXXX Comment : They received my refund request, and I have case number which I can provide. 
Also, they ask me to allow 30 days for processing which was since XX/XX/XXXX XXXX
Product: Student loan

XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} My EdFinancial student loan account shows incorrect balance ( fradulent charges ) of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire student loan balance of {$39000.00}. It should show XXXX balance. 

I have attached proof of the payments made during those days. 


Recently end of last year before my overseas trip i requested only XXXX balance to be put in for student loan forgiveness application. {$19000.00} was put in balance and was told refund check was attempted to be sent to me and was returned back to them. Then once back from overseas vacation. I did not receive any refund check in my mail since I was overseas and had mail stopped. I told edfinancial dont send refund check to me instead clear my XXXX balance from my account internally. They said ok and said finance team will fix it immediately. Now when i login and check I see {$39000.00} balance of fradulent charges in my edfinancial account. 

Please resolve this as soon as possible. I do not want any interest to accumulate at any point for these fradulent charges and want this entire balance cleared.
Product: Credit card

TD Bank Fraud Department, I want to formally report a series of fraudulent charges on my TD Bank credit card account, which were discovered in late XX/XX/2024. Below is a detailed timeline and background of the events : XX/XX/2024 : I made a legitimate payment of $ XXXX to XXXX, a company that provides nutritional supplements. Since this transaction, I have not used my card again. 

Later in XXXX, I learned of multiple unauthorized charges on my account, primarily for restaurant and bar transactions across the United States. Please note that I did not leave my home at any point during this time, nor did I authorize any of these charges. Additionally, I have had possession of my credit card at all times. 

I immediately contacted TD Banks fraud team and reported the unauthorized transactions. Subsequently, a new card was issued, and I was informed that a claim had been filed regarding the fraudulent charges. 

Upon following up on the claim status a few days later, I was shocked to learn that the initial claim had been denied. I then spoke with another representative who filed a second claim on my behalf. 

Recently, I received a letter informing me that the second claim was also denied. 

For context, I am an XXXX individual who is currently homebound due to throat XXXX. I am unable to eat, drink, or even swallow my own saliva, making it impossible for me to visit any restaurants or bars. Given these circumstances, it is clear that the fraudulent charges could not have been made by me, as I have been confined to my home for the entirety of this period. 

I have never experienced any issues with fraud in my 80 years, and I find this situation deeply troubling. I am respectfully requesting that TD Bank reevaluate my case and conduct a thorough review of the circumstances surrounding these fraudulent charges. I believe this matter requires urgent attention, especially given my age and medical condition. 

Please let me know if further documentation is required to assist in resolving this issue. I am happy to provide any necessary information to facilitate the proper investigation of these charges. 

Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.