23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems Inc ( TSI ) never contacted me about this debt but made multiple attempts to contact my son regarding a supposed medical debit incurred by him as a XXXX On XX/XX/XXXX - after multiple phone calls my son, XXXX XXXX, took a call from TSI. They stated on the phone call it was an attempt to collect on a medical Debt for for XXXX XXXX. XXXX XXXX stated he was not XXXX XXXX but they told me they could contact him since he was now an XXXX over XXXX XXXX XXXX. TSI stated this was a debt collector on a recorded line. Our son was concerned that this debt would be reported on his or my credit, so he agreed to pay for the debt. On XX/XX/XXXX my wife, XXXX XXXX, contacted TSI and was told by a representative they should not have contacted on son since the debt occurred XX/XX/XXXX when he was a minor. XXXX XXXX attempted to validate the debt with TSI but they could only provide a date of service and was not able to provide any additional information ( such as the name of provider or a list of services ). On XX/XX/XXXX, a claim was filed with XXXX XXXX XXXX for the fraudulent charge. On XX/XX/XXXX, XXXX XXXX closed the claim stating XXXX XXXX authorized the charge. Our son was not made aware by the debt collector that he was not responsible for this debt. In addition, no attempts were made to contact me to resolve the debt which was in my name. 

On XX/XX/XXXX, XXXX XXXX contacted TSI again in attempt to reverse the charges. When asked why our son was contacted she was now told by TSI that they were authorized to contact our son and speak to him about the Debt since he was XXXX XXXX XXXX now despite the debt being obtained XX/XX/XXXX when he was only XXXX XXXX XXXX. When XXXX XXXX asked again for them to validate the debt, she was told they were not required to validate the debt since our son had already paid the Debt. This Debt Collector violated the Fair Credit Reporting Act ( FCRA ) by contacting our now adult son to attempt to collect on a debt that occurred when he was a minor. In addition, TSI violated FCRA by failing to validate by failing to provide enough information for us to be able to validate the debt and proof we were responsible for this debt ( failing to provide the name of the provider and a list of services provided ) to neither XXXX XXXX or XXXX XXXX. Both XXXX XXXX and myself have attempted to contact TSI to resolve this matter but their response has held firm that they were legally authorized to collect this debt from our son and that they are not required to validate the date for us.
Product: Credit reporting or other personal consumer reports

I noticed today that there was an hard inquiry on my credit report from Capital One. I have asked XXXX XXXX and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a credit care or any line of credit with Capital One. Ive also had to put credit freeze on my accounts with each bureau.
Product: Credit reporting

Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. As a result I have be en gravely effected and my credit score is suffering as a result. No notice was ever given, with is also a violation. I am requesting that all inquiries be removed immediately.
Product: Checking or savings account

I contacted current this summer to close my account and receive a refund. I was overcharged for fees and they continue to charge me fees. Also, they have not sent me a check for my money. I want my money back via a direct deposit to my bank or a check. I do not want gift cards. Please help me They owe me over {$500.00}
Product: Debt collection

The amount of debt of {$2600.00} is not accurate. The company, National Credit Systems , Inc ( NCS ) has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned I do not owe this amount and deny their allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.
Product: Checking or savings account

A federally funded financial institution ( Wells Fargo ) setoff funds from my checking account to pay a balance on closed credit card account issued by the same bank without authorization. They stated they could do this based on an agreement I signed when the checking account was opened. I have disputed I signed such an agreement and they are refusing to provide a copy and/or have refused to reverse the setoff.
Product: Checking or savings account

In reference to my previous complaint about Bank of America Complaint ID : XXXX. They left a couple of messages to call back but when I call back it just goes to voicemail and I left several messages and they havent called back. It feels like They are using a robot to call and respond to my calls. 

They refunded me 2 months of monthly service fees and thats not enough. But thats also not what I asked for. I know what I signed up for. I just didnt sign up for them taking advantage of my low funds every month. And also low funds for other customers. And I want them to refund other customers they took advantage of and thats what I wanted to talk to them about but I cant send to get a hold of them. Every time they call me at work, I miss their call. They called 3 times and I keep trying to call back and leave messages. So I just put in another complaint. I wasnt about to add you the other complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect the information. Please note I submitted information prior and Transunion has not timely resolved this.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report, immediately : EXPERIANXXXX Names XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Accounts XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$430.00}
Product: Debt collection

I have a mortgage that is being serviced by Nationstar Mortgage. I tendered my deed in lieu of foreclosure back in XX/XX/XXXX and was told to move out of my house by XX/XX/XXXX. Shortly before the XX/XX/XXXX date I was informed by my contact person there that there was a problem with a " power of attorney '' that was delaying the closing of the transfer. After more inquiry I learned that Nationstar alleged that they did not have all the documents necessary to have an interest in the property since XXXX, the former servicer of the debt, had not sent in all the proper paperwork in XX/XX/XXXX or so. This " delay '' has continued since. I was informed via letter received XXXX ( although dated XX/XX/XXXX ) that matters would proceed to a closing in early XX/XX/XXXX. I again hustled to move the remainder of my items out of my old house to meet the deadline when I was informed by another letter that things had been pushed back to XX/XX/XXXX, then subsequent identical letters to XX/XX/XXXX and then XX/XX/XXXX. I made contact with XXXX in the Fall of XX/XX/XXXX and they informed me that they had completed all the paperwork and there was no problem from their end. I examined the chain of title to my property, and I found that Nationstar did not have a recorded interest in the property from XXXX to them. They did have a recorded transfer from Nationstar to XXXX in the Fall of XX/XX/XXXX. Coincidentally, XXXX filed their transfer from a prior servicer, XXXX, in the XXXX of XX/XX/XXXX, but the actual transfer took place in XX/XX/XXXX. I am upset that I have been paying Nationstar since XX/XX/XXXX and they do not have any proveable interest in my mortgage, and still do not have XXXX to this day. They apparently transferred whatever interest away in XX/XX/XXXX, but have failed to disclose that to me. Consequently due to the delay I have incurred multiple moving bills, had to maintain utilities on XXXX locations, and lost my original house that I was moving to to an arson fire because I could not move in to secure it. My phone contact person at Nationstar told me that the original letters indicating the need to vacate by XXXX and then XXXX were not sent from her office, but by another Department at Nationstar. Incidentally, I was on the verge of filing to participate in the national settlement that XXXX had entered into about these mortgage loans when they abruptly informed me that they transferred my servicing to Nationstar.
Product: Student loan

I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a large amount of fraudulent information on my credit report. Private information of mine was obtained I recent and past worldwide date breaches and my identity was stolen and used to open fraudulent accounts. Please remove this fraudulent information.
Product: Credit reporting or other personal consumer reports

I sent Credit Collection Service who represent XXXX XXXX XXXX XXXX several notices regarding this information on my credit report being inaccurate. I did not have XXXX XXXX XXXX. I requested they send me a contract or proof and they never responded. Later I was notified that this company has been deleted from my credit file. I looked up my credit information and see this company still appears on my credit report. 
I also read that legally after 30 days of no response this should be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Transunion I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I opened a credit card with Bloomindales and purchased a dress. I missed the first month 's payment so was charged a late fee and interest. This payment was due on XXXX XXXX, 2015. I paid it in full on XXXX XXXX, 2015 yet Bloomingdales has supposedly been trying to collect {$12.00} from me for 6 months and filed a charge-off on on my credit report. I have received no bills, no calls from creditors, and should n't even have a balance outstanding.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the repeated failures to correct the late opening of my account. Despite multiple attempts to rectify this issue, it remains unresolved, causing significant inconvenience and frustration. 

After completing all necessary documentation and fulfilling all requirements as instructed by your team, I expected my account to be opened within a reasonable timeframe. 

However, despite assurances from your representatives, my account was not opened within the agreed-upon timeframe. This delay caused me considerable inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no satisfactory resolution. Subsequent attempts to correct the issue were met with further delays and excuses. 

I made several follow-up inquiries to your customer service department, seeking information about the status of my account opening. Unfortunately, these inquiries yielded no concrete results. 

In light of the lack of progress, I filed a second complaint on [ Second Complaint Date ], reiterating the urgency of the matter and the need for immediate action. 

Despite my repeated attempts to resolve the issue, my account remains unopened, and I have not received any updates or communication regarding the status of my application. 

I urge you to take immediate and decisive action to rectify this situation. I expect a swift resolution, including the immediate opening of my account and access to all associated services within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a prompt and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  XXXX Balance Owed : {$490.00}.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Checking or savings account

Marcus has put my account on investigation hold which has locked all my money for no explainable reason. 

I called on XX/XX/XXXX twice and was given no recourse but to wait while all savings were in accessible and locked up. 

XX/XX/XXXX, I called back and was given no recourse to gain access to my savings account. 

XX/XX/XXXX, I closed my account with a representative which I was told over the phone was completed. 

I then found out on XX/XX/XXXX that the closing of the account and transfer of funds back to the original funding account was denied. They are telling me I have to wait some unknown time to gain access to my funds.
Product: Debt collection

Company calls me at XXXX i dont know what it is i have never did business with them
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file.Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So have these accounts DELETED from my file just like other credit bureaus did : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> my credit report and score has not been updated. Requested it be updated thru phone customer service no availability. They never answer their phones as they disconnect you all the time and it's an automatic service as well. They have not updated it online as it shows XX/XX/year>. Been requesting 4 accounts to be deleted as they are charge offs and closed, they never provided me with a 1099 either. So requested them to be deleted and still nothing. It was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX some were even paid. All I wanted was them to delete them and to send me a 1099 and still.