23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts remain on my TransUnion credit file despite providing all required documentation over two weeks ago. These accounts should have been removed within 4 business days as mandated under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. 

The fraudulent accounts reported include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following closed accounts were fraudulently opened and must also be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address as required by law. Despite meeting all legal requirements, TransUnion has failed to act within the 4-day timeframe specified by FCRA 605B. This inaction is a direct violation of federal law and has caused significant harm to my financial stability and emotional well-being.
Product: Credit reporting or other personal consumer reports

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

r 15 USC 1681. Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX I received a letter from Chase bank stating they transferred my mortgage to XXXX XXXX XXXX.My house located in Florida is being in foreclosure since XX/XX/XXXXand due to some mishaps from chase the foreclosure could n't being accomplish until this date.It seems to my humble understanding in the real estate business that something is going on that hinders the bank to complete the transaction, good for me by the way.I have tried many times to come to a solution to bring my mortgage to a good stand, but the bank is not cooperating at all, so i being batling against the system on my own and thankfully has being working so far, but I am affraid the time is running out.I need to have a selling document from HUD so I can take them to court ( XXXX XXXX, Chase, XXXX, XXXX and possibly HUD ) to prove something is not right with the time of selling, etc HUD is not cooperating with me and they just give me their website to search for a topic related under the XXXX to fill up a form and send it so I can get the information I need.I have tried with their website, i can not find anything related to what I need.In the mean time I have XXXX banks fighting for my place and none of them have the right documentation.Please I have the premonition something is just not right and I need at least this document from HUD to at least find out who legally owns the property and when it was sold and by whom.My house is not on any real estate listing and is being in this situation for XXXX years, ( I am behind payments since XX/XX/XXXX ) .I paid XXXX of those companies that promise to stop or mediate to avoid foreclosure, but I got robed and lost {$2500.00} Thank you kindly for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LOAN AMOUNT XXXX DATE OPEN XX/XX/2016 ASKING THIS TO BE REMOVE STOPING MY LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 Format is the industry standard for reporting accurate, complete, and timely information and that The data should be reported according to the specified definitions in order to process credit information correctly. The following data within ACCOUNT # XXXX fails to conform to the industry standard and as inaccurate.
Product: Checking or savings account

I filed a claim on a transaction for {$87.00} with the bank. After filing the claim I was given provisional credit, however the bank is not willing to waive the fees associated. There's {$70.00} worth of overdraft fees that are causing financial distress. 

The bank claims that they're going to deny the claim because it's outside of XXXX 's guidelines, however they're unable to quote specifically which guidelines and why they're unable to waive the fees.
Product: Mortgage

My loan is with Wells Fargo. The foreclosure trustee is XXXX. I have attached the XXXX listing along with my notice of default.

I have a notice of default dated XX/XX/19. I am in mediation and currently in a trial payment plan for a modification. I have no foreclosure sale date assigned to my property. I have not received a notice of trustee sale assigning a date. I am told a Notice of Default is not a publicly recorded record.

Why is it allowed for someone to plaster the internet to say that my house is going to be sold at auction? This is wrong. I am being hounded by phone calls and mail. People coming to my door. One man came twice even though I told him that there is no sale date and I am in a modification along with mediation that freezes the foreclosure process to stop a sale date from being assigned. I am even being texted. One man calls over and over and over again and will not stop.

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I discovered incorrect accounts listed on my credit report this morning. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a temporary issue, but the inaccuracies persisted. I'm really concerned about this and need the documents I've sent to be carefully examined to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Debt collection

I sent a Verification letter for them to send me something verifying this account as being the owner on this account and what information you got to verify that I Owe this account and they didnt get back to me
Product: Debt collection

The company JEFFERSON CAPITAL SYSTEMS LLC did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I was appalled to discover multiple inaccuracies, unverifiable items, and unauthorized inquiries. These errors have caused me significant distress and are in direct violation of federal law, specifically 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report. I remind you that under 15 U.S. Code 1681i ( 5 ), any information that can not be verified or is found to be inaccurate must be promptly deleted or corrected. Failure to comply with these legal requirements is unacceptable and will not be tolerated. 

The following items are in dispute and must be addressed immediately : XXXX XXXX XXXX - XXXX - This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day and 60-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a hold of someone in XXXX  for 3 weeks. I was denied opening a checking account because of the information on this report. The bank would not share the information with me. And told I needed to go to XXXX to get the report. 

I requested a copy of my report and have not received one. I have called and can not get a hold of anyone and left a voice message. There is no way to reach a live person or get a follow up about a request for a copy of my consumer report. 

It's difficult to know what the issue is or fix an issue if I don't receive the consumer report to find out what the problem is. 

What are my options?
Product: Debt collection

Received phone calls to me from family members in others states at all hours of nights. Was calling me after repeatedly informing them that this is my work phone and work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term  and a monthly payment of {$310.00} on my both my XXXX anXXXX XXXX  credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my Equifax credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
Product: Checking or savings account

On XXXX XXXX, I deposited a check from my utility company for {$6000.00} on the mobile app. I had a hard time these past couple of weeks because none of my appliances work and this caused me to spend more than I can afford, especially on food. Thereby, this is the reason why XXXXXXXX XXXX  company issued the check. 

When I'd uploaded the check on XX/XX/2023, I received a message that this check will be available in 1-2 business days, but that not accurate due to the processing time turned into 6 business days. After speaking with the XXXX XXXX, she indicated to call back when the department was open, and the verification department will process the check. When I called back, I was told otherwise. This is unprofessional service and I'd requesting my check be processed and overdraft fees waived. 

I had this account for 11 years and I never experienced this service.
Product: Vehicle loan or lease

Heres a detailed description that emphasizes the severity of the situation : I recently experienced a deeply troubling case of fraud involving a car dealership that has caused significant financial and emotional stress. I entered into a contract with what I believed to be a reputable dealership and provided a {$16000.00} deposit as part of the agreement for the purchase of a vehicle. This deposit was explicitly stated in the contract and was supposed to be applied to the loan amount. However, I later discovered that the dealership never applied the deposit to the loan, effectively pocketing the money. 

To make matters worse, the dealership I initially thought I was dealing with turned out to be using the name of another dealership, adding a layer of deception to the transaction. When I attempted to take legal action to recover my funds, the dealership abruptly filed for bankruptcy, seemingly to shield themselves from any accountability. Their actions demonstrate clear intent to defraud me and other potential customers. 

I have been left saddled with a loan that is far higher than it should be, while the dealership has escaped liability by using deceptive practices and hiding behind a bankruptcy filing. Their fraudulent actions have not only put me in a difficult financial position but have also shaken my trust in businesses that are supposed to operate ethically.
Product: Debt collection

XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Capital One Bank USA XXXX XXXX XXXX XXXX , XXXX, VA XXXX, which was listed on my credit report requesting validation of this account, made pursuant to the Fair Debt Practices Act FDCPA & 807 ( 15 USC 1962e ). I requested that if they can not validate the debt, that the entry be deleted from all credit reporting agencies. Validation on this account was not sent to me. On XX/XX/2016 i again sent a certified letter to Capital One informing them they had not provided me with a copy of any viable evidence bearing my signature and that they had also violated federal law by not replying to my request that was sent on XX/XX/2016. Capital One did not respond with viable evidence after the second letter either. Capital One did not furnish the credit bureau 's with the required disclosure within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my my original disputed letter which was sent on XX/XX/2016 and the second letter on XX/XX/2016. Capital One violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. Capital One has continued to ignore my requests for validation on this account and furthermore broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
Product: Debt collection

I've given dates on when I will pay my debt and they continue to harass me with repeated phone calls. They don't care when you give them a date to pay because they will continue to harass you. Even when I've told them repeated that I would be making my payments through my bank 's bill payment system, they will still call you and harass you. I've also told them repeatedly that I do not want to opt for the payment help because they asked additional questions that I thought were not appropriate and yet they continue to call and push their unethical plan.
Product: Debt collection

Beginning on XX/XX/2021, I started receiving calls from an unknown company named Client Services , Inc., a company I learned through XXXX to be a collection agency. They placed incoming calls from the number XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX of which I answered, but the call was automatically cut off. I also attempted to call back on XX/XX/XXXX but the line would not connect. Finally, on XX/XX/XXXX, I received a call from an alternate number, XXXX, and an actual agent was on the line. When I heatedly informed her that I was aware of the nature of her business but not my business with her and demanded to know why they were making these harassing calls, she became quite belligerent and, after checking her papers, told me she was calling about my {$3000.00} credit account with XXXX XXXX. 

Although they have lovely furniture, I have done business with XXXX in my life and own none of their pieces. When I informed the agent of that, she told me to hold on ( shuffling papers, whispers... voice returns to line ) - Oh yeah, I had the wrong information here. I told her, " That's right, you do, '' and ended the call. I am confused by the mix-up, but I'm furious about the harassing tactics that they used. This mix-up could have been much easier resolved if they simply spoke to me on their first call like an actual professional company - or if somebody even answered the callback number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps running a credit inquiry on my report for no apparent reason. They call and harass me saying they will sue me. Its becoming very disturbing.
Product: Credit card or prepaid card

I was sent an email at XXXX for a {$300.00} American Express gift card on XX/XX/20. The email directed me to click on a bar to view and print the card - this bar was a bait and switch link that took me to a sign in page that asked for the card number and security code to set up the card. This {$300.00} American Express gift card was paid for and sent to me in good faith by a relative ( order # : XXXX ). 
At XXXX XXXX  on XX/XX/20, I called American Express at XXXX XXXX XXXX and had to press XXXX, and then XXXX to speak to a person - XXXX informed me that I can't view or print the card because I need to troubleshoot my computer and change my browser to XXXX. I asked her to send me the card to my address - she then told me that if I don't switch to XXXX, then I need to have the person who sent the email gift card to fix the problem! 

Note : I had no problem redeeming an XXXX gift card online.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reported to Bank of America Customer Support an incident of internet fraud involving {$2000.00} sent from my checking accounts to a scam perpetrator using XXXX. The scam resulted from my response to a XXXX ad for a car for sale. 

Bank of America reported back, '' Unfortunately, we're unable to approve your claim.... We were unsuccessful at recovering the funds on your behalf. We recommend contacting the receiver of the funds for further assistance. '' My efforts to report the scam, which occurred on XX/XX/XXXX, included : XX/XX/XXXX XXXX fraud report by phone to XXXX XX/XX/XXXX Internet Crime Complaint Center ( XXXX ), Submission ID : XXXX XX/XX/XXXX Consumer Report to the FTC, Number XXXX XX/XX/XXXX Office of the Nevada Attorney General, XXXX XXXX XXXX, ticket ID : XXXX XXXX XXXX XXXXXX/XX/XXXX Detailed fraud report submitted to Bank of America that provided all relevant details of accounts, amounts, XXXX recipient ( scammer ) phone number, and BofA fraud claim numbers XX/XX/XXXX XXXX XXXX XXXX Police Department As advised in telephone conversation, sent letter ( by mail ) to Records Department documenting details of the case. 

In order to process the money transfer, XXXX had substantial information about the recipient ( scammer ). At a minimum, XXXX could have frozen the scammer 's account pending an investigation of my report. By failing to do so, XXXX and its associated banks acted as money launderers for the scammers. 

Although multiple agencies receive consumer complaints, there appears to be no coordiated follow-up to identify and prosecute scammers.