23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus 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 the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; COLLECTION Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

It has now been over 30 days since Transunion received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.
Product: Credit card

I paid off my account balance of {$1700.00} on XX/XX/2023. The payment did not post until XX/XX/2023. The credit card company then charged the account {$2300.00} in interest which they say posted on XX/XX/2023. Now my balance is almost double that what it was prior to paying it off.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX
Product: Credit card

My balance with Upgrade is currently {$360.00}. Today, XXXX, I attempted to schedule payment with a posting date of XX/XX/XXXX ; date was selected with an amount of {$360.00}, however, the app seems to have reverted the date as well as amount to XX/XX/XXXX, amount of {$730.00} XXXX, which appears to be double amount in full. I attempted to cancel payment, error message showed unable to stop it. Since amount is double total amount due, I believe Upgrade system should have recognized it as so, not allowed payment to process. Further, a stop payment was placed on item with my bank, XXXX XXXX, since Upgrade would not allow cancelation. A stop payment fee in amount if {$30.00} charged by XXXX XXXX, I request this fee deducted from my balance as I believe it is due to error on end of Upgrade
Product: Credit reporting or other personal consumer reports

To whom it may concern at TransUnion investigation team. I have disputed this accounts for the pass couple of years. You continue to allow these accounts to flip flop from open to close you are in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting these collection accounts as " OPEN ACCOUNTS which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

I have uploaded images of how you are reporting these collections on my TransUnion credit report. TransUnion has allowed these collections to go back and forward with open and closed accounts. 
I have also uploaded debt validation documents that neither company has answered in over 8 months please provide the documentation for your investigation as proof that you dont do a shame investigation. The CFPB has already sued XXXX and XXXX for shame investigations and not removing negative information that cant be verified by these companies. After the complication of your investigation please respond with documentation of your investigation to the relevant companies. 

According to the Pursuant To 15 USC 1681n ( Civil Liability For Willful Noncompliance ) I can take legal action if you dont comply with the law that's a {$1000.00} violation per item. Please be advised that you are held under the law that grants the consumer fair reporting guidelines and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a report with TransUnion regarding some inaccuracies on my credit report. They received the letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance with the FCRA as i was supposed to receive a response within 30 - 45 days max due to Covid-19. This is my second dispute with the company as i did not receive a response for my first dispute, which was received on XX/XX/2020. I certified my mail and was able to track the dates and times all disputes were mailed and received from USPS. Their lack of investigation compliance is impeding me from correcting my report and improving my credit score. Because of this I am experiencing turmoil as I can not purchase a home for my family and I in these hard times.
Product: Checking or savings account

Direct deposit from work pay is usually available on Wednesday but did not receive until Friday evening.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with [ Account Bal {$1000.00} ] from my credit report. I have previously requested the necessary documentation for this account, but I have yet to receive any proper paperwork or validation of the debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. Section 809 of the FDCPA requires that within five days of the initial communication, the debt collector must send written verification of the debt if requested. Since I have not received this documentation, I am requesting that you immediately remove this collection account from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report, and you are required to provide documentation or proof of the debt in order to validate the accuracy of the reported information. As I have not received the requested documentation within the allotted time frame, I request that this account be removed from my credit file. 

Please confirm in writing that my credit report has been updated to reflect this removal. 

If you fail to provide the requested documentation within 15 days from the date of this letter, I expect the account to be removed from my credit report and the matter to be considered closed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.
Product: Vehicle loan or lease

I recently responded to a advertisement for financing for a used commercial truck from XXXX XXXX sales in XXXX, OH. The advertised financing offer was as low as 5.99 % APR. The requirements listed was a FICO score of at least 720 and at least 2 years in business. I met and exceeded the requirement for the loan and yet was denied. My FICO score is above XXXX. I have no adverse credit issues on my credit report. I own my own home. I have been in business nearly 5 years. I have more than 3 or 4 times the required down payment. And I have t least 3 tradelines associated with my business. All in excellent standing. I feel that discriminatory business practices have been used against me and my company
Product: Debt collection

This debt is disputed in it entirety pursuant 12 CFR 1006.34c cease and desist all activities until you can accurately validate this alleged debt.
Product: Debt collection

ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF UTILITY ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted MIDATLANTIC FInance and also XXXX and XXXX   during the month of XXXX regarding an auto loan that is reporting on my credit report. XXXX and XXXX were both disputed and responded that MidAtlantic verifies this auto loan was for me. I contacted Midatlantic and verified that an auto loan exist with them under someone elses name. The name that is listed on my credit report is XXXX XXXX, her birth year is XXXX, and there is an address in Texas on my credit report that I am not affiliated with. I do not know how this womans information and an auto loan ended up on my credit report but Midatlantic is not doing anything to correct this information as I have called them multiple times. This account to my knowledge is fraudulent and I have done my part to dispute with no resolve.
Product: Mortgage

We have been trying to sell our home in a short sale since XXXX. We received an offer and our negotiator submitted it to the lender. They came back with an extremely high counter offer. The buyer and our negotiator submitted a value dispute. Several times the lender confirmed receiving it but never had an update to provide. The pipes burst in the property in XXXX creating a huge water damage and creating a lot of mold to grow in the property. This information was sent to the lender but they lied and said they had just been in the property a week ago and the property was in perfect condition ( a different representative later told my negotiator that they had not been inside the property since last year ). We finally just received a response today ( after 2 months!!! ) and they lowered the value just a little bit. The buyer revised their offer to a slightly higher offer but we're concerned the lender will not look at it since they took 2 months to respond to the value dispute and gave several inaccurate updates and all out lies to us and our negotiator. Please help us to postpone the auction so that we can sell the property on our own terms and avoid foreclosure. The buyer is a cash buyer and can close immediately if and when approved.
Product: Credit reporting

I received an alert from XXXX XXXX that there was a " Hard Inquiry '' on my credit report. There was a hard inquiry on XX/XX/2015 and XX/XX/2015 from XXXX XXXX. I contacted them and stated that I did not apply for any credit, do not have any accounts ( past or current ) with XXXX, and did not authorize XXXX to pull my credit. I was told they could not find an account and to send an email through XXXXXXXXXXXX. This is not a valid link. I would like XXXX to remove the XXXX hard inquiries from my credit report and inform me as to why they pulled my credit report to ensure I am not a victim of ID theft.
Product: Checking or savings account

The CFPB found that Navy Federal violated the Consumer Financial Protection Act through : Charging illegal, surprise overdraft fees on purchases made with sufficient funds : Navy Federal charged fees to consumers whose accounts showed sufficient funds when making purchases, only to charge fees when the transactions were later processed. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times : The credit union showed incoming payments from services like XXXX, XXXX, and XXXX XXXX as available to spend, but failed to disclose that payments received after specific cutoff times would not post until the next business day, while still charging overdraft fees to some customers who attempted to use these apparently available funds.
Product: Debt collection

I get called. They tell me they need to talk to me and they say their name but they never tell me what company they're calling from and they never tell me what it's about unless I give them my personal information first which is dangerous because I don't know if they're a hacker or fake or what. So when they call and they want me to verify things like my social security number and my name my birthday my address I tell them I need to know who they are and what business they're from first and they tell me that they can't tell me until I verify this information which obviously I'm not going to do when I don't know who I'm talking to. On top of which sometimes I don't have any clue what they're looking for or talking about because I don't think it's mines other times. It's so old it should not be on my credit anymore anyway. And again. Last but not least, most of the time, I don't even know what they're calling about or where they're calling from or what business it's for because of the fact that they ask for my information first before they identify the company and what they're calling about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of fixing my credit but XXXX has totally blocked me from checking my report or reporting any errors on their site. Trans Union is also blocking my free annual report as well as XXXX. I am unable to obtain my account numbers to properly dispute making it impossible to fix any errors on my report. I can not obtain my free annual report from all 3 of these sites.
Product: Credit card or prepaid card

Best Buy citi card closed my account when I had XXXX balance since XX/XX/2017 and they are claiming that it was due to a credit report. The fact that they are using this excuse to close accounts is very rude. I have never had an issue with this card since I opened it and I've always paid in time and more than the minimum.
Product: Debt collection

Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXX C from and never received aXXXX C form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.
Product: Credit card

Examine the enclosed documents. I request the bureau to initiate an inquiry into these accounts, as I have never been overdue, yet they are erroneously reporting me as such.
Product: Debt collection

I have no knowledge of this account I was a victim of identity theft due to a security breech with a credit bureau this account does not belong to me no contact with my signature was produced and Im demanding it be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, 2023 Is a violation of my rights A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.this account is in bankruptcy from the creditor I was only a co-signer. That account is being payed full shouldnt never reported a delinquent status on my report period it not even on the creditor report whos in bankruptcy.Also if the account status been closed with or without a balance it shouldnt report a balance higher than it was on the date closed after any closed date on any account that would mean the account never closed which makes the information inaccurate
Product: Checking or savings account

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. 

Account opened without my consent, I had my information taken off the dark web and have been battling issues with trying to repair my information and credit. Please help with getting this account removed from all 3 credit bureaus XXXX, XXXX and XXXX.
Product: Mortgage

I wish to file a complaint with the Consumer Finance Protection Bureau ( CFPB ) against PHH Loan Servicing. We purchased our home from XXXX XXXX XXXX in XX/XX/XXXX for {$440.00}, XXXX. XX/XX/XXXX, we signed a loan modification with PHH in the amount {$450.00}, XXXX, which is {$11.00}, XXXX more than we paid for our home 14 years ago. This increased amount to our mortgage loan is not accurate. I have made mortgage payments for 14 years ; we get a loan modification and the modified amount is higher than the original loan for our home. Where did the money go from the payments that were made over the past 14 years? I placed a call to a PHH Relationship Manager to inquire why the loan modification amount was higher than the original loan amount. The relationship manager could/would not tell me why the loan modification amount was higher and that it didnt matter because I signed the loan modification. In XX/XX/XXXX, a loan audit was conducted by XXXX XXXX XXXX, ( located in XXXX, MD ) on my current PHH mortgage. The audit report revealed errors in the calculations of the loan modification amount ( see attached audit report ). PHH was provided a notarized copy of the audit report via certified mail on XX/XX/XXXX and was required to respond to the affidavit within 30 days. PHH did not provide the requested breakdown of the loan modification amount as requested in the mortgage audit report but provided me an amortization payment schedule of the loan modification ( see attached dated XXXX ). I did not request an amortization schedule as I know what the payment dates and amounts of my loan are. I specifically requested a breakdown of the loan modification amount to reflect where the increases were, if any. I received a response letter from PHH dated XX/XX/XXXX, again PHH that did not explain/provide the information that I had requested. The response letter showed that {$69000.00} was added to my loan on XX/XX/XXXX ( see page 4 of the Customer Account Activity Statement included in the PHH response letter ). Why was this amount added to my loan? I have attached all documents that were forwarded to PHH as a result of the mortgage audit, and you can clearly see what information was requested and what was provided to me. I look forward to hearing from your office. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion two times in the past three months because they are reporting two ( 2 ) inaccurate hard inquiries from XXXX although a FTC report reference # XXXX was submitted on XX/XX/XXXX. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to TransUnion, I have asked for proof that verifies that I authorized those inquiries back in XXXX. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. TransUnion has not provided any verification although I have requested such in every communication I have sent ( proof attached ). They have not responded to my last correspondence from XX/XX/XXXX. I feel my rights my under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) have been violated by not providing a method of verification. My credit worthiness has been highly affected by TransUnion.