23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received Notice from XXXX XXXX that based on my credit report, XXXX reported on XX/XX/year> an amount of {$130.00} which was sent for Collections by Transworld SystemsXXXX. 

I do not recall ever having a relationship with Transworld Systems XXXX so I have no idea what this matter is all about. Furthermore, I never received any written Notice from Transworld SystemsXXXX of the abovementioned amount which is due to them. 

I would appreciate it if you can investigate this matter on my behalf asap since I do not want it to affect my credit score. 

Thank you for your kind assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws. 

Basis for Dispute : I have previously submitted multiple disputes to Equifax regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations. 

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Equifax to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Equifax complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Equifax to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Equifax is required to meet under the FCRA.
Product: Vehicle loan or lease

Sunday, XX/XX/XXXX my car was repossessed exeter finance never gave me notice or a deadline that a third party was comming to repo my car. There wasnt even a knock at my door Exeter finance never even told me where my car was I still have my baby and all my stuff in my car even my money. Congress even states under consumer law 15 U.S. Code 1692f ( a ) states there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ( c ) the property is exempt by law from such dispossession or disablement. 15 U.S. Code 6802 a financial institution may not disclose no public personal information to a non affiliated third party. Such financial institution clearly and consciously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed that such information may be disclosed to such third party ; the consumer is giving the opportunity, before the time such information is initially disclosed, to direct that such information not to be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. All of this information is under L.I.I. Legal information institute writing by congress. I really feel violated that Exeter finance use unfair practices on me that was illegal l.
Product: Bank account or service

On XXXX XXXX it was my last possession that I had of my card. My card was in my wallet and my boyfriend had lost my wallet, he told me about it too late. An unknown person was making a transaction from XX/XX/XXXX to XX/XX/XXXX. I called my bank which is chase, I told them all the info and that I did n't do none of those transaction on those days. They did the investigation. Now they telling I owe them just because the checks and everything its in my area now I 'm being charged {$3500.00} when I did n't even have that much money in my account to begin with in the first place. I did n't autorize none of this and the bank wo n't hear me out because they said that all the transactions were made around my area. That amount of money was n't in my account. Why am I paying for something that someone else did and I had no knowledge of.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is being reported on my credit report with Equifax XXXX XXXX on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on XXXX shows XXXX - Acct # reporting on Equifax XXXX both inaccurate and do not match. XXXX reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. Equifax XXXX XXXX continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX of XXXX i paid ontime and equifax reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX of XXXX all the way to XXXX of XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by Equifax & XXXX XXXX this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but Equifax & XXXX reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.Experian is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the timedeclared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non- compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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

I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

This problem is with Wells Fargo Bank in XXXX, CT. I am not a customer of Wells Fargo. I have a check drawn on Wells Fargo issued by XXXX. Wells Fargo refused to cash the check without charging a check cashing fee, although the check was drawn on an XXXX account at Wells Fargo bank. Wells Fargo blamed XXXX, saying that XXXX 's account does not allow " free '' check cashing. I spoke with the manager, XXXX XXXX of the branch, whom would not waive the fee and stated that I need to either cash the check at my bank or contact XXXX. It does not make sense to me that Wells Fargo would assess a fee to cash a check - is n't that their core business?
Product: Credit reporting or other personal consumer reports

Several weeks ago, I contacted Elan Financial Services, which services my XXXX Credit Card. I checked my balance with the account, and they confirmed my balance is {$1100.00}. However, XXXX XXXX and XXXX show my balance as {$7100.00}. 
I disputed this with the credit bureaus, and XXXX came back with this result : RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 
This inaccurate balance on my credit report is impacting my credit score keeping it in the 670 area.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : 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 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card was taken over by Capital One. I have had nothing but problems with Capital One throughout my adult life and a quick search on XXXX shows that many others have the same issue. Capital One talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXX XXXX/ Capital One for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that Capital One does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if Capital One makes the correction or not.
Product: Checking or savings account

I attempted to apply for a checking account at  XXXX   XXXX   XXXX   XXXX  which I had to go through a credit check and apparently when I got back the results for an approval my credit was fine but   XXXX   had a check on it which declined my approval. I contacted my bank which was Bank Of America and asked if there were any outstanding balance on my account when I closed my checking account. Apparently, there were n't any outstanding balance and they sent me documentation via email and mail stating that they did an investigation and their research was completed. So I want to reapply again with the credit union but until I know that this resolution is resolved.
Product: Credit reporting or other personal consumer reports

I contacted trans union regarding dispute of a late payment on closed account, A representative told me to file a complaint to fix the issue since account closed and they cant get information regarding dispute and so every time I get the same result. I request to delete the account sine they failed to investigate it.
Product: Credit card or prepaid card

I didn't realize this card had a yearly fee. The card I haven't used is charging me XXXX for an annual fee and 2 late payments to tallying over XXXX for a card I haven't used. They closed the account but wont refund the fee 's
Product: Credit reporting, credit repair services, or other personal consumer reports

True Home Solutions purchased my mortgage loan from XXXX XXXX XXXX, an affiliate, in XXXX while the mortgage was in an approved Covid 19 forbearance. During this transition, I was charged two late fees by True Home Solutions whom was informed by XXXX XXXX XXXX  that the charges were inaccurate and therefore should be voided as they were incorrectly added during forbearance. True HomXXXX failed to do so and then reported my loan as in serious default ( XXXX XXXX ) which in turn has impacted my credit. Federal Law requires If you were current on your mortgage when the CARES Act forbearance was granted, your mortgage servicer is required to report your account as current during the forbearance period to the Credit Reporting AgencieXXXX. However this hasn't been the case. I also recall having to address this with True Home Solutions ( prior 6 months ) prior to this case at which point they removed it, but have since put it back on my report which has caused potential damages to an ongoing credit application. I have obtained FCRA Counsel and per their request was advised to file complaints with the XXXX and CFPB in addition to any further action that may be taken against said mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Credit card

Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.
Product: Bank account or service

On XXXX XXXX 2016 I noticed XXXX transactions related to my " Fidelity '' checking that I did not make. The XXXX transactions totaled approximately {$970.00}. I contacted " Fidelity '' and they cancelled my debit card and issued a new one the customer service representative said it would be turned over to their fraud department for investigation. I was advised it would take 10-15 days and a letter would be sent out. I received the letter advising me they determined the charges were valid and were denying my claim. This is XXXX! I was no where near where these charges were made. I 've called the card services number XXXX ext XXXX XXXX ) and my phone calls have gone unanswered. I called the fidelity service and was told that they would have someone call me. The XXXX charges that were processed and that I am disputing areas follows : XXXX # XXXX XXXX, CO {$860.00} XXXX XXXX # XXXX XXXX, Co. {$96.00} XXXX XXXX XXXX # XXXX XXXX, Co {$18.00} XXXX # XXXX ( XXXX ) XXXX, Co {$3.00} I noticed these on my account on XX/XX/XXXX and contacted " Fidelity '' the same day. I do n't just have {$970.00} laying around to pay bills and not sure what their investigation revealed or how they could determine these were valid charges. Their not valid charges and I did n't make them. I 've been trying to contact them so I know what their investigation found. For instance what was the date and time of the transactions, what was purchased at XXXX that cost {$860.00}, what did I purchase at XXXX XXXX for {$3.00} is this for real? Not to mention the XXXX {$96.00}. Then the charge for the XXXX in XXXX, CO for {$18.00} since I 've never eaten at XXXX. Let 's just say I 'm XXXX with Fidelity and will be moving all of my accounts to another financial institution. In the meantime I need to recover the {$970.00} to pay bills.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted Experian four times, giving Experian an opportunity, to comply with the 'notice of identity theft ' and resolve this amicability without further legal action. Experian 's failure to adhere to the FCRA is exactly as the CFPB 's new lawsuit against Experian has detailed : Experian has responded to my notice ( s ) of identity theft by conducting a sham investigation, failing to address to properly address my dispute according to FCRA statutes, and then reinserting the inaccurate information on my consumer report. 

The attached documents have been sent to Experian via USPS certified mail # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX See the attached.
Product: Mortgage

I recently submitted a complaint request with your organization and attempts to seek further input and and/or resolve regarding my loss mitigation application. In addition to such I had sought your support in finding out the status as this company continues to suggest that they do not have nor can they verify any application on file. This is concerning as XXXX  made repeated attempts to find out the status and this company has not provided a response to such. During my last complaint the company provided a reply about another line of action however, failed to respond to my inquiry regarding my mitigation application.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries are to be removed they do not belong to me delete these inquiries from my account XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX