23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2021, I the consumer sent out a letter via USPS XXXX mail with tracking to TRANSUNION LLC, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. TRANSUNION LLC was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from TRANSUNION LLC on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that TRANSUNION LLC investigated the information I disputed and updated the report. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that TRANSUNION LLC Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TRANSUNION LLC is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts TRANSUNION LLC posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that XXXX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for TRANSUNION LLC to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. TRANSUNION LLCs failure to positively verify these accounts correctly under the FCRA, unverified accounts must be removed/deleted and if TRANSUNION LLC is unable to provide me a copy of verifiable proof, TRANSUNION LLC must remove/delete the accounts XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My account was limited in XX/XX/2018 and I was advised funds will be released in 180 days. I can not withdraw funds {$420.00}
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} - charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX
Product: Checking or savings account

Unable to link my PNC bank account with XXXX for stock trading.
Product: Mortgage

My mother was the orignal mortgage holder but she passed away on XX/XX/XXXX. She had XXXX children. On XX/XX/XXXX we started the succession process and completed it on XX/XX/XXXX with the Judge 's signature on the Judgement of Possession. On XX/XX/XXXX the mortgaged home was damaged by hurricane IDA. On XX/XX/XXXX the insurance company issued a check to make repairs. The check was made out to my mother and the Bank of America. I submitted the check and the Judgement of Possession to the the Bank of America on XX/XX/XXXX. Bank of America returned check saying that we needed a Trust ID. Since that time, I have made numerous calls to the Bank of America and basically getting the run around with some the representatives saying everything was in place. Each time I am still getting this form letter returned to me and the house remains damaged. I have worked with the Bank of America Estate services and the loan manager for the account. Each time I am promised that the situation will be escalated and resolved. But, nothing ever happens.I am desparate to get the house repaired and even offered Bank of America the option to keep the funds and distribute them to the contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLUB XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion numerous times from XX/XX/2020-XX/XX/2020. Filed multiple disputes and disputes are still not resolved. Identity was mistaken with someone else, credit was ruined.
Product: Bank account or service

I opened my Discover account under a promotion they were offering to receive {$300.00} cashback for signing up with them before XXXX XXXX, 2015. I opened my account on XXXX XXXX, 2015 and deposited {$250.00} at that time. The terms of the offer were as follows : Open to current Discover credit cardmembers or deposit customers, excluding current or previous XXXX XXXX customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code BonusXXXX ; and 2 ) at least two Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice. 
I did have a Discover Savings account, set up direct desposit in the amount of {$250.00}. The first direct desposit was processed XXXX XXXX, 2015 ; the second was processed XXXX XXXX, 2015. This was well within the 90 day requirement. It has been well over 30 days since meeting this and I have yet to receive my {$300.00} cashback bonus.
Product: Student loan

I have been trying to get on the extended graduated repayment plan since approximately XX/XX/2016. 3 times, I have called to have this done and all 3 times I am getting different information. Furthermore, all 3 times they have placed me on administrative forbearance where my interest gets capitalized and I accrue interest without paying off my balance, which I would be happy to do on my desired payment plan. The last time, I did not agree to be placed on administrative forbearance. Every time I have called, they say that my plan will be switched and when I check again, the issue is not resolved. The issue is still not resolved and my debt is increasing due to their malfeasance.
Product: Checking or savings account

On XX/XX/2021 I opened a CitiXXXX account with Citi Bank, by responding to their promotional {$2000.00} bonus with a deposit of $ XXXX or more within 20 days for 90 days. 
I decided to make external transfers from my XXXX XXXX XXXX in which I have 3 accounts XXXX  saving, Checking and Share Saving with the account numbers end with XXXX, XXXX, and XXXX respectively. I have over $ XXXX cash in XXXX saving and $ XXXX in checking. 
On XX/XX/2021, $ XXXX and $ XXXX and $ XXXX were deposited to Citi Bank and XX/XX/2021 $ XXXX transferred from my account XXXX to Citi Bank. I have noticed that all the transferred funds were credited to my Citi Bank account, although I noticed the last $ XXXX were not withdrawn from my XXXX XXXX XXXX account. I called twice the Citi Bank that even my Citi Bank account has been credited with $ XXXX, there is no deduction amounts from my XXXX XXXX account. I was told not to be concerned, since it is credited to my account, the bank eventually will take the fund. On XX/XX/2021, I got a note from XXXX XXXX XXXX that there were XXXX {$29.00} charges for insufficient funds of $ XXXX to my checking account. I realized the confusion and immediately transferred $ XXXX to my Citi Bank account. on XX/XX/2021, I got an email from Citi Bank that my account has been suspended. I called the Citi Bank about the confusion between the 2 accounts and that the $ XXXX transferred already sent and deducted from my XXXX XXXX account, so there is no problem of funding the account. I was told by the XXXX from Citi Bank that bank already has decided to close the account and my deposited of $ XXXX will be retuned within XXXX days. In the meantime, my last $ XXXX was transferred back to my XXXX XXXX account. 
Citi Bank did not want to listen to the situation and confusion and the corrections that I have made to resolve the issue, but rather to close the account and avoid the {$2000.00} bonus payment which was reduced to {$1500.00}, ten days after opening my account. 
I feel I was treated unfairly in handling my account as fraud. It has been 32 days that I am still waiting for my $ XXXX first deposits. I was told all the conversations are recorded and apparently no one cared to listen to my explanations.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX 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  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Product: Debt collection

I have a collection account on my credit report that does not belong to me.
Product: Mortgage

I have been living at my residence for almost 30 years. Over the last XXXX or so years, many mortgage companies have been involved in my home loan as they sell it to other companies. A number of years ago, the present company XXXX, informed me that my I now owed almost {$500000.00}. I had thought it was around {$350000.00}. They never gave me a complete explanation for this increase. As I was struggling to pay the monthly mortgage, I contested it but they did not respond. 
The present value of my house is around {$560000.00}. 
I am 72 years of age, self employed and want to stay in my residence. 
I would appreciate your investigating this situation and informing me of the correct amount I presently owe on my home. 

Thank you very much for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus was dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A medical bill in the amount of {$110.00} was reported to the credit bureau before notifying me. After I paid it in full with interest charges and it is still on my credit report.
Product: Mortgage

I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Debt collection

On the following dates, various people from XXXX XXXX have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

XXXX XXXX has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.
Product: Credit reporting or other personal consumer reports

I have submitted everything equifax has asked from me including my FTC report and I included all inquires and equifax told me I had to create a new FTC report with only equifax inquires included so again I am submitting another report to see if the information they have provided me is valid!
Product: Checking or savings account

XXXX account with Citizens bank. An account was opened in my name that I did not authorize. An overdraft fee and negative balance of {$44.00} was reported today, XX/XX/2022 to Citizens via phonecall. I am following the instructions of the representative from Citizens to report this fraud and she is closing the fraudulent account.
Product: Debt collection

Pursuant to Chapter XXXX Adversary Case No. XXXX filed in the XXXX XXXX of Texas, the student loan debt for the US Dept of Education against XXXX XXXX was administratively discharged due to his total and permanent XXXX. As such a Motion to Dismiss was filed on XX/XX/XXXX against the US Dept of Education in the Adversary Case. The Motion declares the student loans discharged and enjoins enforcement of the discharged educational loans. The Motion was approved and an Order of Discharge was filed on XX/XX/XXXX. 

XXXX and I ( XXXX ) jointly filed our XX/XX/XXXX income taxes in XX/XX/XXXX, but have not receive the anticipated refund of {$8500.00}. We contacted the IRS to inquire as to the status of our refund and were advised that the U.S. Dept of Education had offset the refund for payment of {$100000.00} in student loan debt owed by XXXX XXXX ( which was the debt discharged in XX/XX/XXXX, discussed in the preceding paragraph ).

We contacted the U.S. Dept of Education, who advised that they had sent XXXX debt for collection to Immediately Credit Recovery , Inc., who, in turn, reported XXXX 's student loans delinquent on his credit report beginning XX/XX/XXXX. 

We have not received a call or letter from Immediate Credit Recovery , Inc. We have left several messages to explain the discharge and to request resolution, but have received no response.
Product: Debt collection

XXXX XXXX XXXX Nothing happened came back accurate XXXX  credit bureau
Product: Credit reporting or other personal consumer reports

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I am writing to request that you remove the following fraudulent information on my credit file. If the information is not removed immediately, I will be forwarding all proven documents to the Consumer Financial Protection Bureau as well my lawyer. 
The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely.

Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.
Product: Debt collection

I sublet an apartment in XXXX Oregon. I paid a deposit. I paid my rent.The job that I was in town for ended.I gave my notice to the landlord which was 30 days. The cash deposit that I paid to the landlord covered the remaining month. Fine. I have had negative reports to my credit.A company called the Atlas Financial is harassing me daily. This matter gets resolved then a month later another debt collection company springs up like mushrooms after a rain storm. I am really tired of being harassed. 

This is for an apartment that I lived in for a month and paid 3 months rent on. 

To make matters worse, the company that I rented from no longer owns the building. It seems to be owned by someone else.
Product: Mortgage

Our homeowner 's insurance through XXXX  XXXX XXXX was due on XX/XX/XXXX. Our mortgage and escrow is through Chase. Chase has always paid at the beginning of XXXX. 

I received a notice at the beginning of XXXX notifying me of non-payment and the insurance will be cancelled. Unfortunately, due to my being in the hospital and recovering at home, I did not open this letter until after business XX/XX/XXXX. I was mortified to learn my homeowner 's policy has been cancelled. 

Upon review, it appears that Chase made a payment on XX/XX/XXXX, the last day a payment would be accepted. It appears that the payment was returned by XXXX XXXX for unclear reasons, and the policy was then cancelled. 

I am wondering why Chase did not pay on the due date. I have a letter from XXXX  XXXX stating they requested the funds from Chase dated at the beginning of XXXX of XXXX. 

I need my policy to be reinstated and for Chase to take responsibility for dropping the ball. I have reached out with no response at this time.