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. We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

I requested the payoff amount for my COVID Deferral ( Forbearance ) Program on my home mortgage, which I participated in from XX/XX/XXXX through XX/XX/XXXX, which Wells Fargo supplied me with. There is a discrepancy in the amount that they provided me with. They stated to me and to Nevada Homeowner Assistance Fund that for those 18 months, the deferred amount for my home mortgage is {$3400.00}, which according to my documentation is incorrect. From XX/XX/XXXX through XX/XX/XXXX, my deferred mortgage payments were {$320.00}. That amount over 8 months equals {$2500.00}. Then from XX/XX/XXXX through XX/XX/XXXX, my mortgage payments were {$360.00}. That amount over 10 months equals {$3600.00}. Adding these XXXX figures up equals {$6200.00}. 

On XX/XX/XXXX I spoke to a representative in Wells Fargo Home Mortgage. Her name is XXXX XXXX. Her employee ID is XXXX. She is located in XXXX XXXX, Texas. Her contact is XXXX. She notated our conversation in detail, and she verified those monthly mortgage payment amounts at that time that I've specified above. I'm currently receiving assistance from Nevada Homeowner Assistance Fund. My point of contact is XXXX XXXX, who is the Operations Manager with NAHAF. Her direct number is ( XXXX ) XXXX, and her email address is XXXX. Part of the assistance that I'm receiving is that they will pay off the total deferred payments to Wells Fargo as it concerns my COVID Deferral Program mortgage balance for those 18 months. My current and previous experience with Wells Fargo has been disingenuous, difficult, challenging and confusing with the information they provide to me, and when I ask for clarification, they are not helpful and timely. 

I currently have a complaint/grievance concerning this with XXXX XXXX XXXX who represents the XXXX Complaints Management Office . My Case Number with them is XXXX, and it references my account number ending in XXXX. XXXX XXXX can be contacted at XXXX ext. XXXX. At the beginning of XX/XX/XXXX, XXXX paid to Wells Fargo {$3400.00}, which is the payoff amount they say is the amount of money that they deferred to the end of my 30 year loan, and I clearly have my own documentation which lets me know the correct amount is {$6200.00}. Wells Fargo has sent me a response as to how they arrived at the {$3400.00} figure, which makes no sense to me at all, and I've asked for understandable clarification, which they are not providing to me. I will provide further email documentation that I have concerning this. I have many emails and photos that I have sent NAHAF Operations Manager XXXX XXXX, my point of contact with NAHAF. I will be attatching many emails and photos I sent to her with my Wells Fargo documents that they sent to me. 

Thank you, XXXX XXXX
Product: Debt collection

I received a letter on XX/XX/XXXX from a collection agency named TransWorld XXXX XXXX the letter stated I owe them {$240.00} for a medical bill and it listed the medical facility name. I did use that medical facility in mid XXXX for an emergency. I am a 100 % XXXX  XXXX military vet. I have XXXX different types of medical insurance that I provide every medical facility and all my bills are 100 % paid. So I was shocked to received this letter from this unknown collection agency. I have called and spoke to the medical facility billing department 4 times since receiving this letter trying to extort {$240.00} from me. The medical facility billing department and the doctor billing department does not have any balances owed in my name. They double and tripled checked their records on every call. I have no balance with anyone. I don't owe anyone. They even asked for the fraudulent collection agency name that is trying to extort {$240.00} out of me. They have never heard of this company. So why is this fraudulent collection agency sending me a letter for an account that doesn't exist and trying to extort {$240.00} from me? The original creditor listed on the letter.. has told me on 4 separate occasions I have a {$0.00} balance with them because my XXXX different medical insurances paid my bill in full, like they do for every medical bill I get. I want this fraudulent collection agency TransWorld Systems Inc to be held accountable for their fraud..
Product: Debt collection

Amsher Collection Services attempted to collect a debt that was already paid to XXXX They were also reporting it on my XXXX. I showed proof the debt was paid, yet Amsher will not remove it from my credit file.
Product: Debt collection

This account showed up on my XXXX  credit report. Unfortunately this has been unnoticed since XXXX this debt was never verified and is been hidden for along time in XXXX  that I did not check, until now. My XXXX  score had been damaged significantly, as result of this Collection that I knew nothing about and after a bankruptcy discharge in XXXX, XXXX. 

1. This account with date of service XX/XX/XXXX, has not been verified, and no documents that ascertain the validity of the account had been received. 

2.- I used XXXX for my health needs and I do not work with providers who are not willing to work with XXXX, by default paying out of pocked is not an option for me. 

3.- During the intake interview I was told that they were willing to work with " XXXX '' for this service, and I agreed to, only if this was to be covered by the them. 

4.- The medical provider agreed to work with the insurance as a condition to perform the service during the front desk initial consultation. 

5.- Why they accept patients with insurance that they do not work with? 

6.- Gov. XXXX announced that he will be suspending laws that permit the service of administrative process as part of consumer debt collection proceedings. 
These measures are intended to assist those impacted by this emergency and in need of temporary financial assistance, said XXXX XXXX, Secretary of the Department of Financial and Professional Regulation I will be more than happy with the Consumer Financial Protection Bureau to come to my aid and on my behalf during this dispute. Thank you for your time and your patience.
Product: Money transfer, virtual currency, or money service

I went through the process of setting up an account with Square to transact business with different companies that I was to provide training for. After going through ALL the processes mentioned to open and set up an account with them, I was given the approval to go, then set up my bank account and it was approved. Once I had the email confirmation that I was all set, I sent the invoice to the business for which I performed the work and then waited the standard few days. Once the business submitted the payment, " Square INC '' magically said they needed more verification... SINCE I did not receive my money from square I authorized the sender to dispute the charges with XXXX and they did. Square then IMMEDIATELY and suspiciously deactivated my account so that I would not longer have access to it. after waiting the ridiculous 90 days for the dispute, Square ruled that I was to be paid the funds. Once the funds were " cleared '' they were to transfer the money into my registered bank account .... accept my account was deactivated and therefore no bank account o send the money to. I have been without my {$24000.00} payment for well over 120 days! This has absolutely crippled me and my ability to produce! I then made several dozen phone calls, emails and attempts to reach someone in customer service at Square .... one they validate my phone number, the automated system just hangs up on me, every single time without fail. They have responded to emails, essentially saying, sorry, your account was deactivated! BUT they have made NO ATTEMPT to send MY {$24000.00} to my bank, as verified by my Banks branch manager. Since they deactivated my account mysteriously in the middle of they dispute, I have no access to it in order to give bank account info. Also, if I was not " approved '' to transact funds, why did they receive the funds on my behalf?? Yet refuse to pay it to me. They still have not made any attempt to pay me, or send the money back to the company, who is paying the bill. This all Started back on XX/XX/year>, has now been over 4 months of them withholding access to my funds
Product: Credit reporting

I would like to have my credit report updated and the judgement removed from my report as it has been satisfied/paid in full. Thank you
Product: Credit reporting

I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX charged my card with information from XXXX XXXX  WITH OUT MY CONSENT. IT RESULTED IN A CREDIT 29-60 DAYS LATE. THEIR MANAGER XXXX  ( CUSTOMER SERVICE MGR ) SAID THEY XXXX XXXX  GAVE THEM XXXX MY ACCOUNT INFORMATION. 
I THINK THAT'S ILLEGAL.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries that are unlawfully being reported on my credit report. 
Transunion- 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 submitted a dispute for incorrect personal information and fraudulent accounts due to identity theft. For the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Inquiries associated : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I called repeatedly and was told that they would remove certain accounts at their discretion but provided no reasoning. I provided all documentation for this sensitive situation and have just been ignored and per the FCRA this credit bureau is violating the law. I have requested that the above accounts are removed immediately only to be ran around in circles and no resolution ot prove of any type of investigation. These accounts were not opened by me and they are hindering my life and Transunion is violating the law by allowing them toncontinue to report and remain in my credit account.
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally dispute these fraudulent accounts listed on my credit report. These accounts were opened without my authorization and have compromised my credit standing. Under federal consumer protection laws, I am entitled to have fraudulent information removed from my credit file, and I request prompt action to ensure my report reflects only accurate and authorized information.

1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA grants consumers the right to dispute inaccurate or fraudulent information and requires credit reporting agencies to investigate disputes within 30 days of receiving a request. If the disputed information is found to be fraudulent or inaccurate, it must be removed promptly. This statute also requires furnishers of credit information to ensure they report only verified and accurate information to consumer credit reports.

2. Fair and Accurate Credit Transactions Act ( FACTA ) ( Pub.L. 108159 ) : As an amendment to the FCRA, FACTA includes specific protections against identity theft and requires credit reporting agencies to expedite the removal of fraudulent accounts. Consumers are empowered under FACTA to request a free copy of their credit report and initiate fraud alerts, ensuring they have access to accurate reporting and preventing future fraudulent activity.

3. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes identity theft and fraudulently assuming another persons identity. It protects consumers from the consequences of fraudulent accounts on their credit report and supports the requirement for agencies to take action against fraudulent information.

Given these legal protections, I respectfully request that the fraudulent accounts on my report be investigated and removed immediately. Please confirm in writing once these items have been removed, along with an updated copy of my credit report.

Thank you for your prompt attention to this matter. I trust that these accounts will be removed to restore the accuracy and integrity of my credit file.
Product: Mortgage

My USDA loan is in forbearance. I spoke with the loss mitigation department two days ago. I was told that no online payments would be possible, even though I entered one payment online. I was told that they were awaiting a title to proceed with my loan modification after the COVID forbearance. 

Since then I noticed that my bank account drafted {$1900.00} for the payment they said would not go through. Now my bank account is overdrawn. I still don't have modification details except for the letter from my last complaint dated XX/XX/2021. 

I don't get paid until XX/XX/2021 and have a {$1300.00} negative balance in my bank account from a payment I was told would not process. 

Also, since going into forbearance I've been locked out of most of my online portal with XXXX XXXX XXXX  so for a year had no visibility into my account. Apparently that changed after my first complaint was filed. How many others in deferment is this happening to? Am I the only one who now has access or is everyone in forbearance experiencing this? It's been extremely unsettling.
Product: Credit card or prepaid card

OnXX/XX/2020 made a purchase online of {$500.00} using my Citi credit card. Item arrived and was not functional. Attempted to return, was unable to contact merchant - their website was down and phone was not working. I filed a claim with Citi. On XX/XX/2020 I was able to contact the merchant, was provided a return authorization, and shipped it back to them and canceled the claim with Citi. On XX/XX/2020 the item was returned to me by the vendor. I attempted to contact them again - with no reply. On XX/XX/2020 I contacted Citi again to reopen the claim and was told they could not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I've been in contact with XXXX, XXXX, and XXXX in regards to a medical collection account reporting under the name of ccs collection located in massachusettes. This account has been reporting inaccurately due to idenity fraud and or theft. This account has never belonged to me nor have I ever received any medical treatment on during the times the account claims to have been opened. Also I am aware of the Health Insurance Portability and Accountability Act of 1996 in regards of protection and confidential handling of protected health information. In additon, this account has previously been removed from XXXX  and XXXX  reporting consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

RE : DEMAND FOR IMMEDIATE DELETION OF INACCURATE BANKRUPTCY UNDER FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of a fraudulent XXXX  XXXX Bankruptcy reporting on my TransUnion credit file. I have never filed for bankruptcy, and this entry is an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon personally visiting the United States Bankruptcy Court in XXXX XXXX, a court clerk confirmed that I have never filed for bankruptcy. The court has no records of any bankruptcy case under my name or Social Security Number. Your companys negligent misreporting of this inaccurate information has severely impacted my creditworthiness and is in direct violation of multiple provisions under the FCRA. 

FCRA Violations Committed by TransUnion : 1. FCRA 605B Failure to Block Fraudulent Information As required by this section, TransUnion must immediately block and remove any information resulting from identity theft or misidentification.

2. FCRA 611 ( a ) Failure to Conduct a Reasonable Investigation Your failure to verify this bankruptcy directly with the U.S. Bankruptcy Court before reporting it violates this statute. 

Any verification from a third-party data furnisher ( e.g., XXXX, XXXX, XXXX XXXX  ) is legally insufficient. 

3. FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy Your company has an obligation to ensure the maximum possible accuracy of the information you report. Reporting a bankruptcy that does not belong to me is a blatant violation.

4. FCRA 623 Furnishing Inaccurate Information ( If a Third-Party is Involved ) If this data was provided by XXXX, XXXX, XXXX another vendor, TransUnion still has a duty to verify its accuracy before reporting. 

DEMAND FOR IMMEDIATE ACTION Due to these violations, I formally demand that TransUnion take the following actions within five ( 5 ) business days of receiving this letter : 1. Immediately delete the fraudulent XXXX XXXX  bankruptcy from my credit file.

2. Provide written confirmation that this inaccurate bankruptcy has been permanently removed.

3. Cease all future repo
rting of any bankruptcy that is not directly verified by the U.S. Bankruptcy Court under my personal information.

If these demands are not met within five ( 5 ) business days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Pursuing litigation against TransUnion under FCRA 616 and 617 for negligent and willful noncompliance.

Seeking statutory and punitive damages in the amount of {$1000.00} per violation, plus actual damages for credit harm and emotional distress. 

I expect an immediate resolution to this matter. Please respond in writing within the timeframe specified above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX this company Online Information sent me a letter attempting to collect a debt..on XX/XX/XXXX I sent a debt validation letter to validate the debtthe letter was received on XX/XX/XXXX they received the letter..As of today XX/XX/XXXX this company have not responded or did they validate the debtand it is after the 30 days..Online Information are reporting on my report and I want them removed as they are hurting my report. Proof of my certified letter and the receipt of them receiving it is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misinformation about loss credit card, and offering after paying fees and can't get a loan to support my family and I.
Product: Debt collection

Subject : Complaint Regarding Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/year>. Despite the passage of ample time, I have not received any communication or verification of the debt from Resurgent Capital Services. 

The debt validation letter was sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, Resurgent Capital Services has neglected their legal obligation to respond within the stipulated timeframe. 

The debt in question is listed on my credit report as follows : Creditor Name : LVNV FUNDING LLC Account Number : # XXXX XXXX Resurgent Capital Services ' failure to comply with my request for debt validation, I am left with no choice but to pursue legal action. As per the FCRA, I am entitled to seek damages of {$1000.00} for each violation. Therefore, I am considering taking legal action against Resurgent Capital Services for their non-compliance. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Resurgent Capital Services for their failure to respond to my debt validation request. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX