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

On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXXXXXX XXXX XXXXXXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or XXXX to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS
Product: Debt collection

SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Written 2 validation letters and sent certified mail to XXXX  & Equifax regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in screenshot inside this complaint in on XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they as they should be due to the fact I was never late. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that appears on my credit report, listed under account number XXXX XXXX This account was fraudulently opened in my name, and I believe the reported charge-off status is both inaccurate and damaging to my credit standing. 

I request that you immediately conduct a full investigation into the fraudulent activity associated with this account. Due to the fraudulent nature of the charge-off, I also request that you provide me with a 1099-C form, as I believe this charge-off should have been reported as canceled debt. 

Additionally, the continued inaccuracy of this information is causing significant harm to my financial reputation and violates provisions under the Fair Credit Reporting Act. As a result of these inaccuracies, I intend to pursue statutory damages as permitted under the law for any harm caused by your reporting of this erroneous account. 

Please confirm the removal of this account from my credit report and provide the requested 1099-C form. I expect a prompt resolution and look forward to hearing back from you regarding the steps you will take to correct this matter.

Thank you for your immediate attention to this issue. 

Sincerely,
Product: Mortgage

Wells Fargo denied my refinance application saying that I was " too old and too sick ''. They gave me a denial letter saying that I was refused because of credit and too many inquiries, however, in person Wells Fargo told me that the underwriter would not put her name on my loan because I might die and it would come back to her. Multiple times during the application process, I was also questioned repeatedly about if I wanted to apply for a shorter term loan ( less than 30 years ) even after I made it clear that I wanted the lowest monthly payment possible. 

My loan officer had taken my loan application and felt confident that there would be no problems, but then left to go on family leave leaving my loan in the hands of the processing team and branch manager..

The processing team kept asking me for more and more documentation ( which I later found out was unnecessary ) and the whole process took about two months before I was finally denied. The processing manager summarized the reason for my denial by saying that I was " too old and too sick '' in the eyes of the underwriter.

I have made a written request of Wells Fargo to provide me with a " disclosure of the nature of this information '' regarding its credit decision which was supposedly in accord with information provided to Wells Fargo in a XXXX  Credit Report and pulled through XXXX. This request was made in accordance of the Fair Credit Reporting Act and in connection with Wells Fargo 's " Notice of Action Taken and Statement of Reasons ''. 

To date, I have not received this information from Wells Fargo and I am now requesting it again through CFPB in hopes that they will respond. 

Also, Wells Fargo took money from me for an appraisal. They took this money had the appraisal done and then discriminated against me. I want the appraisal fee to be refunded to me immediately. 

Also, I want Wells Fargo to look into its underwriting and lending practices. I want to know why the Wells Fargo underwriter and processing team did this to me when it is against the law. 

To be clear : I applied for a loan with another institution immediately after Wells Fargo denied me and closed on that loan in 19 days. I had was and am a viable borrower/applicant. In fact, I qualified for a higher loan amount and received a conforming A paper mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened an account on XXXX XXXX XXXX, and has reported my information to the credit bureaus without my consent. Experian is reporting inaccurate information on my report because of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for Transunion to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.
Product: Checking or savings account

My information was stolen and used. Fraudulent to conduct fraudulent transactions using my mobile device and debit cards
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called my institution Pen Fed located in Nebraska and requested money transfer to XXXX XXXX University. On XX/XX/2018 I was contacted by the financial aid department at XXXX XXXX University which stated to me that the wire transfer has not been received into my student account at XXXX XXXX XXXXXXXX. Mr. XXXX XXXX from XXXX XXXX University called on XX/XX/2018 at XXXX Central Standard Time to notify me of money still has not been received in my student account. When I spoke to XXXX who taking the request Per XXXX XXXX XXXX to wire money into my student account left the same day as another check sent by via mail to a storage facility. This left me XXXX in my account after the XXXX hundred dollars was subtracted out of my account Per : XXXX ( Pen Fed Credit Union ). 
The account that the funds were to be distribute to was XXXX XXXX XXXXXXXX Routing Number XXXX Account Number XXXX Student Account is my cell phone number XXXX Address XXXX XXXX XXXX XXXX XXXX AZ Per Mr. XXXX XXXX who gave information to XXXX at Pen Fed Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!
Product: Debt collection

XXXX company is attempting to collect a debt from me which was paid entirely by the insurance company XXXX and I am only OBLIGATED for CO-PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$700.00} Dear XXXX, I am writing in regards XXXX Account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/2024, XXXX XXXX Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/2024 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had gotten my XXXX XXXX debit card stolen on XX/XX/XXXX and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX, IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the only one. I have an installment loan with XXXX and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX 's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through XXXX when canceling my card and caused the payment for XX/XX/XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX, IL and was advised to wait until my next payment day of XX/XX/XXXX to avoid being double charged. I listened and come XX/XX/XXXX I received a phone call from XXXX 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX 's payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX 's overdue payment which put me at insufficient funds once again. XXXX has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 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 information is inaccurate.
Product: Debt collection

I am a XXXX veteran of XXXX XXXX. With perfect credit history. All of my medical expenses commercial private VA are always covered and paid by the VA. This XXXX  XXXX  visit XX/XX/2023 balance of XXXX by the physician who attended me. I gave the hospital billing and doctor billing the exact information they need to cover my bill and they get paid for thier services by the VA. Pre authorization from the VA. the physicians poor billing practices and dragged his feet to submitting his bill within the 120 days thats 4 months long time VA allows for the doctor to submit his billing and the doctor went past 120 days past billing allowed and the VA policy no submit within 120 days for payment the VA close the account and doesnt pay. The doctor and Wakefields associates punished me for their failure to submit on time for VA payment to the doctor ruining and damaging my perfectly excellent credit history that I strived for my entire life! On account of the doctors poor billing practices! Now I have a {$1600.00} outstanding judgment on my credit file showing delinquent part due ruing my name!
Product: Credit reporting or other personal consumer reports

I have disputed a public bankruptcy letter on my credit report with Equifax more than once. Then, I asked for a method of verification letter which they were required to respond to within 15 days and they failed to do so. They reinserted it on my credit report that it had been verified through XXXX XXXX and the bankruptcy courts, but that was simply not true. XXXX XXXX, nor the bankruptcy courts verify public records with Equifax, XXXX, or XXXX. The record has been removed from XXXX XXXX and since Equifax claimed that it was verified through them, it wasn't, then Equifax has to remove it immediately. Furthermore, the Supreme Court has ruled that section 349 of the bankruptcy code was intended to UNDUE the bankruptcy and to restore BOTH parties to pre-petition financial status. How does a PRIVATE company like Equifax think that it's okay to override the highest court in the United States of America? I can't dispute anything with Equifax because they repeatedly send me letters stating that my ID was not clear, even though it obviously is, because all the other bureaus accepted it, and it was sent at the same time. I feel like this is a worn-out stall tactic that Equifax uses in order REQUIR to evade the law. I'm wondering if they will come up with that same excuse now. EQUIFAX IS REQUIRED BY LAW TO REMOVE THIS ENTRY. XXXX XXXX informed me that they will also notify Equifax since they are the ones who reported it, even though they don't verify it. Obviously, this shouldn't be on my report since it was removed from XXXX, XXXX, and XXXX XXXX! I have uploaded proof as well. XXXX XXXX removed it only after I reported them to the XXXX  and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS XXXX XXXX XXXX! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted this information to Experian and XXXX asking them to provide me with proper documentation on how they verified a Bankruptcy showing on my consumer report. They only provided me with the results stating they verified it with XXXX. Well, I have proof that XXXX can't verify this because none exist because it was not mine and was removed from their system. As of XX/XX/2021, there is no Bankruptcy on my XXXX XXXX report and to continue to say they have verified with them is falsifying information and is a violation of my consumer rights.
Product: Debt collection

Navient has made XXXX phone calls to the above landline over the course of XXXX hours trying to reach our daughter XXXX. They have been repeatedly told that she is studying at a university in XXXX and can not be reached at this number yet they persist in calling and can not share any information with us. We would like the phone calls to stop and we have asked them to do this. This is the XXXX attempt they have made to contact her. There has been no mail or email.
Product: Debt collection

Capio Partners LLC ( XXXX, XXXX ) https : //capiopartners.com/ is making harassing and intimidating calls day and night. 
I have no idea what they want from me.