23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX/XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, and XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}. Please delete the fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiry or have TransUnion get back to me with regards to the issue. Here are the items and inquiry that concern me : XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I noticed a collections on my account for {$500.00}. There is no further information listed other than Account # XXXX. There isnt any contact information or creditor information listed. This is not my debt and this violates my rights to have this random collection account on my profile. Please delete
Product: Credit card or prepaid card

I tried to make a balance transfer from XXXX  XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX  XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX  XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX  XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX  XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX  XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report.
Product: Credit card

My problem began around XXXX when I was looking to purchase a XXXX XXXX XXXX online. I saw one on XXXX. I saw the option of using Bill Me Later to pay. I have used it before always paying on time. I did n't owe them any money. With Bill Me Later I would have the option of delaying payment for up to XXXX months. Around XXXX to early XXXX I decided that I would just pay it off. When I went to the Bill Me Later site it said that it was now PayPal Credit. When I tried to log in I saw my daughters name. 
I thought that somehow they merged our accounts together. I asked my daughter to get in touch with them so that I could pay the bill. Under Bill Me Later I would have untilXXXX to pay. When my daughter finally called PayPal Credit they said that my Social Security number was on her account so I would have to call. 
I called and they said that I owed for the XXXX XXXX plus approx. {$150.00} in late fees. I never received any notice until now. I am still totally confused and not sure what happened. 
I tried to work it out with them but they are not hearing it. My daughters account comes up when I try to log in to pay. 

Fact 1. I tried to pay it off early but Bill Me Later changed to PayPal Credit. When I tried to log in my daughters name came up. 
Fact 2. When my daughter called they said that her account has my SSN so I would have to call. 
Fact 3. PayPal Credit refuses to work with me and just wants {$120.00} in late fees. 
Fact 4. I have a perfect record with Bill Me Later. I did n't owe anything when I purchased the XXXX XXXX XXXX. 

Please help resolve this matter. 
Thank you. 

XXXX XXXX XXXX
Product: Mortgage

I am reaching out because our Escrow Balance is not correct. Because this incorrectness started back in XXXX when Mr Cooper paid two Hazard Insurances : one to XXXX XXXX for {$1600.00} on XX/XX/XXXX and XXXX to XXXX for {$1400.00} on XX/XX/XXXX. These two insurance payments was paid a month apart and Mr Cooper did not catch it. The one for XXXX was correct. But, the one for XXXX XXXX was not to be renew. 

Also, another payment of {$2500.00} was paid to XXXX XXXX on XX/XX/XXXX. 
When I notice these discrepancies, I immediately called Mr Cooper in XXXX of XXXX, and spoke to a female representative. I explain the problem to her and she assure me that all the corrections was made and completed and that no other Insurance payments to XXXX XXXX or XXXX would be made. 

I proceed to calling XXXX XXXX to make should that the policy was cancel and I canceled XXXX policy too. Our new XXXX XXXX is with XXXX. 

I also paid {$1000.00} on XX/XX/XXXX to our XXXX account. 

Because of these discrepancies now our XXXX balance is almost {$2000.00} negative, because discrepancies was not caught and corrected. Now, we are suffering the incorrectness and imposition demand to pay because of Mr Cooper doing and not of our own. 

Please your attention to this claim is appreciated and an update of this matter would be much thankful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Transunion Credit Bureau. After one single accidental maximum delinquency of greater than 60 days, my credit score is falling recurrently every month despite payment made in full to the creditor. 

I anticipated a steep drop in my credit score over 1 month since it was a single account delinquency that was paid in full. Transunion Credit Bureau has recurrently dropped my credit score despite complete payment. I have no outstanding debt to justify a recurrent monthly drop in credit score. 

I received an investigation report from Transunion Credit Bureau on the XXXX XX/XX/2019 - File Number XXXX. The company did not solve the issue and my credit score has dropped to almost poor from near excellent despite complete payment. 

Transunion Credit Bureau has no basis to drop my score every month. I have no outstanding debts with any creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as police reports FTC reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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 XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX  - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 data is inaccurate.
Product: Consumer Loan

I bought a XXXX Chevrolet at a used car lot. The full sum {$8600.00}. When I drove it off the lot The brake light, the ABS light, the drivers airbag was on constant, the passenger airbag light on constant, The was NO drive/reverse/park, neautral, D1, D2 showing at all to know where I selected. 
The brake pedal was low and spongy. This vehicle is UNSAFE. I brought it back the next day to be corrected Their mechanic hooked up his OBDll tool and found nothing. 
I brought back the truck within 48 hours of buying it and told he company it is unsafe for the person in charge I do n't want it. I left the keys with the person in charge. I gave {$1100.00} cash up front. I asked for my money back. They have been ignoring my requests.
Product: Mortgage

I am in contract to purchase a home and my loan is with Red Tree Mortgage. I have been working with XXXX XXXX and her manager XXXX at XXXX has not been responsive to my inquiries. 
XXXX XXXX Senior Loan Officer T. XXXX XXXXXXXX NMLS XXXX I was supposed to close on XX/XX/XXXX and still do not have a conditional approval letter. I received a pre-approval dated XX/XX/2020, and just found out on XX/XX/XXXX, after the first contract extension about the conditions that I needed to meet the requirements of a full approval. I expressed to them that I have to be moved by XX/XX/XXXX and now find myself having to pack my stuff and try to find storage. If I have to pay to move twice due to the negligence of them, they need to be responsible for the cost associated with it. 

I need for them to get my loan through underwriting before I lose the home I am supposed to move into. If, for any reason at this point I am not approved for this loan, they need to reimburse all of my expenses associated with this process. I am beyond frustrated by the things they are asking for, some of which are obvious from the credit report. Such as, the XXXX bill that has been paid in full and has a zero balance on the credit report. They now want proof that the dispute has been removed. Why does the dispute need to be removed when the dispute was prior to the balance being paid off, which shows the resolution was to pay it in full. 

Please help me resolve this situation so I will not be homeless at the hands of Red Tree Mortgage!
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : WF XXXX XXXX XXXX  XXXX XXXX, NM XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting

I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
Product: Credit card or prepaid card

I had a credit card with Citi Bank. I lost my job and called them to tell and make a payment with them because I didn't know when I was going to be able to pay them. I didn't find another job until weeks after my due date. I told the rep on the phone what I was doing and she took the payment. The next billing cycle they charged me a double payment as if I didn't make a payment prior but I wasn't behind on my payment. When I called them back and told them what happened they wouldn't take my payment as a payment for the prior month. I told them to close my account but they wouldn't and continue to bill me and added a bunch of fees that I didn't owe
Product: Vehicle loan or lease

I leased a XXXX XXXX from Toyota Financial Services in XX/XX/XXXX. All lease payments were made on time - and even in advance. I had paid everything through XX/XX/XXXX when I returned the car to a Toyota dealership on XX/XX/XXXX but it appears that it took Toyota a couple of months to process the paperwork. I have called them numerous times, and even attempted to send them the receipt from the dealership showing that I was no longer in possession of the car since XX/XX/XXXX - all to no avail. They don't accept emails and apparently their fax number is never monitored. 
Toyota Financial Services posted a late payment note on my credit report for the month of XX/XX/XXXX, almost 2 months after I returned the car, and they won't bulge. They won't even return my calls! 
My XXXX credit score, which I monitor through a service, went down from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. It is unacceptable that I should pay a price for their highly disorganized services and their total lack of customer support. I will never lease a car with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. 
In 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. 
In my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. 
I have made numerous attempts to have these fraudulent accounts removed. 
Despite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. 
The emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. 
The lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. 
I hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.