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

On XX/XX/2023 I, XXXX XXXX, mailed XXXX XXXX XXXX a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with TransUnion. On XX/XX/2023, I mailed TransUnion a copy of notice that was mailed to XXXX XXXX XXXX along with a notice specifically for TransUnion informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. XXXX XXXX XXXX blatantly disregarded my request and did not respond to my notice. However TransUnion did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as XXXX XXXX XXXX must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. TransUnion has a duty to also respect a consumer 's right to privacy. I did not send XXXX XXXX XXXX or TransUnion a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted complaints XXXX and XXXX on XX/XX/XXXX for Acct. # XXXX that is with XXXX. The results from both complaints were verified. In the complaints i stated XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. I pulled my credit report XX/XX/XXXX and the same information is reporting. Id like to know how is the account verified when the facts are directly from my credit report??? Ive pointed out the inaccuracy, gave the company an opportunity to cure by deleting the account and the company refuses to do so while falsifying information in the company response. I demand the account be deleted due to the reporting of inaccurate information and given I have been denied an extension of credit due to this account which has caused my family severe harm, I demand a monetary settlement of XXXX dollars under 15 U.S. Code 1681n - Civil liability for willful noncompliance. Ill provide documentation how both Experian and XXXX verified the accounts and how thats impossible given my credit report still reflects the inaccurate information stated above.
Product: Debt collection

AR Resources Incorporated has erroneous information posted on my credit file. I have disputed the account with both the credit bureaus and XXXX and they have still not provided with sufficient evidence and refuse to delete wrongful information from my credit file. 

The had 30 days by law to provide sufficient information which they did not. If they do not delete immediately we will have no other choice than to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Product: Money transfers

I initiated a wire transfer from my Chase business account to an overseas supplier on XXXX XXXX, 2015 in the amount of {$2200.00}. I got an error saying that the transactions could not be completed. The system was unstable and I had issues going to wire page. After a few minutes I tried the transaction again and got a transaction successful message. Just to double check I went to the " wire activity page '' and saw not XXXX but XXXX transactions for {$2200.00}. I spent 1 hours and 5 mins shuttling between various groups. XXXX transactions showed as complete and the second in transit. I asked the intransit to be cancelled because it was obviously an error on Chase 's part. They admitted that were having system issues. At the end of the call I was told that the transaction completed and they could not stop the transfer. They said they would contact the Bank in XXXX for a reversal. I called them again on on XX/XX/XXXX and was told they are still waiting for a response. I called again on XXXX XXXX and there was still no resolution. 
I discussed with my supplier and he was willing to wire the money back minus the {$10.00} deduction his bank made and any charges they would make for a wire. Chase on the other hand said they couldnt do anything about the reduced amount but would credit any of their own fees. They said they were not responsible for any fees on the receiving bank 's side. I aksed if it would be better for me to await Chase 's resolution or request the supplier to return the money. They were non-committal but finally admitted that perhaps having the supplier return the money would me more timely. 
How can I be made to beg for my own money. I ca n't believe Chase has been so incompetent and unapologetic for their mistake. What if my account goes overdraft! I ca n't believe I am expected to be in the red for a Chase system error, which they are not taking responsibility for, but admit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Equifax has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Equifax. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX, our mortgage company ( Nationstar dba Mr. Cooper ) for two of our properties, withdrew 10 unauthorized ACH transactions totaling {$28000.00} from our bank account with XXXX. They reversed the unauthorized transactions by end of day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit an urgent complaint against the credit bureaus, specifically TRANSUNION, XXXX for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX MANAGEMENT # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :
Product: Credit reporting or other personal consumer reports

In XXXX I had an XXXX XXXX XXXX file my taxes, while filing for my taxes me or the preparer didn't notice that my W2 had the incorrect Social security number for me. After filing my taxes I had received my federal and state taxes that year. But as of XXXX I had noticed my incorrect Social Security Numbers were incorrect for XXXX & XXXX W2 forms. Not until my boss had not mentioned that I was laid off and I was filing for unemployment I had made her correct my W2 form social security number to the correct #. I don't know if she reported the changes but I do not have a correct W2 form with correct Social security number for XXXX. My identity has been stolen from XXXX and I had to file for an extension for XXXX due to the fax my new tax preparer had mention that someone who wasn't me had filed for my taxes without my consent.
Product: Debt collection

XXXX / XXXX XXXX XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 DID YOU FILE A 1099 c?
Product: Checking or savings account

this is my second complaint and still no help i have attached the first complaint the resolution was that i should call XXXX XXXX the vice president of security operations center XXXX i have called XXXX times no one returns my call and no one picks up that phone. when i ask the other separtment to get me there they said i should not even have this number because XXXX does not speak to customers my money as been locked up since XXXX i am beyond upset and XXXX off the bank continues to make withdrawls from my account claiming they are returning funds that were not authorized with no proof of such things every fund i have ever recieved were authorized by me there is no fraud on my account or am i linked to any other account that as reported fraud i need my money the bank as XXXX for me between my savings and my checking and i am going to get help from a lawyer this issue as lead me to be behind on alot of payments in my life and caused me alot of problems
Product: Credit reporting or other personal consumer reports

I am not able to pull my credit. the credit reporting agency is not releasing my credit file to me or lenders. I sent in my proof of identity ( birth certificate ), copy of my social security card and proof of address ( lease agreement ) which is attached to this complaint.
Product: Student loan

I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.
Product: Debt collection

XXXX XXXX XXXX fraudulently sold my information to this company. This is not my debt in the first place. They keep calling all during the day harassing me this matter and I keep telling them they have the wrong guy. That still doesn't stop them from calling. I tried calling XXXX about this matter but all they have is an automated service and its pretty much impossible to reach anyone.
Product: Debt collection

I am filing a formal complaint against Consumer Adjustment Co. for failing to conduct a proper investigation and reporting inconsistent and inaccurate information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I disputed the accuracy of this account with XXXX and XXXX, but both bureaus illegally verified and updated the account as accurate without providing a Method of Verification ( MOV ) or any supporting documentation to substantiate their claim. The information reported by Consumer Adjustment Co. is full of discrepancies, contradicting details, and unverifiable data, which renders this account inaccurate and in violation of federal law. 

Major Discrepancies and Violations : Different Date of First Delinquency ( DOFD ) : XXXX : Reports XXXX  as XX/XX/XXXX. 
XXXX : Reports XXXX as XX/XX/XXXX. 
These inconsistent DOFDs violate FCRA Section 623 ( a ) ( 5 ), which requires accurate reporting of the date of first delinquency. 
Conflicting Payment History : XXXX reports a full payment history, while XXXX does not report any payment history at all. 
This is a clear violation of FCRA Section 607 ( b ), which mandates the maximum possible accuracy of reported information. 
Inconsistent Account Status : XXXX : Reports the account as open. 
XXXX : Reports the account as closed. 
A debt can not legally be both open and closed at the same time. This contradicting information makes the account unverifiable and inaccurate.

Consumer Rights Violations : Consumer Adjustment Co. has failed to provide any debt validation or evidence supporting the accuracy of this account. 
They have not responded with proof that I owe this debt or that they are legally authorized to collect it. 
This is a direct violation of FDCPA 15 U.S.C. 1692g, which requires a debt collector to validate a debt upon request.

Failure to Verify the Debt Before Reporting : Consumer Adjustment Co. has no legal standing to report this debt if they can not validate it. 
Reporting unverifiable information is a violation of FCRA Section 623 ( a ) ( 3 ) and must result in immediate deletion. 
Illegally Updating the Account Instead of Deleting It : XXXX and XXXX updated the account instead of removing it after my dispute, without supplying any verification or documentation.

FCRA Section 611 ( a ) ( 5 ) ( A ) requires that if disputed information can not be verified, it must be deleted.

Consumer Adjustment Co. Did Not Respond Within 30 Days : XXXX and XXXX failed to complete the dispute investigation within the required 30-day time frame.

FCRA Section 611 ( a ) ( 1 ) ( A ) states that if a CRA does not complete an investigation in time, the disputed item must be removed.
Product: Mortgage

On XX/XX/XXXX, we received delinquent notices on our property taxes. They are escrowed in our mortgage payments with United Wholesale Mortgage and not properly being disbursed. Our escrow account keeps getting higher because the property taxes are not being paid. After going back and forth between XXXX XXXX, United Wholesale Mortgage, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX for over a month and getting no assistance from anyone we finally determined the parcel was not split and that is the reason they did not pay the property taxes for XXXX. The mortgage company only has our home and XXXX acre and the remaining XXXX acres we own. On XX/XX/XXXX the county determined they dropped the ball and did not file the deed to split the property at closing by mistake. XXXX at the XXXX XXXX XXXX XXXX corrected the problem by splitting the parcel into two accounts and providing new invoices waiving all P & I as long as the taxes were paid by XX/XX/XXXX since it was their fault. Once I received both tax invoices from the Appraisal District and Tax Office on XX/XX/XXXX I provided UWM with the new invoices and all of the details concerning the correction and deadline to pay. I have emailed them multiple times since asking when the funds would be disbursed with no response. Today XX/XX/XXXX, we received a letter from the county 's attorney stating the taxes have still not been paid. I have been advised to contact a lawyer and also file a complaint with CFPB to make sure the taxes get paid and UWM is responsible for all penalties and interest. We need assistance making United Wholesale Mortgage pay our delinquent XXXX property taxes and penalties and interest immediately please.
Product: Credit reporting or other personal consumer reports

As per the FCRA guidelines, it is crucial that the information on my credit report is accurate and up-to-date. I kindly request that you investigate this matter and update my credit report accordingly if there has been any mistake or if the late payment information can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and the following is INACCURATE. According to The United States code 15 U.S.C 1681 a.1.a the following accounts I have disputed most be removed. Also all closed accounts must be removed. 15 U.S.C 1681 section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian was notified of adverse information on the consumers credit report via victim of XXXX XXXX  self attestation by a registered XXXX. 

Experian has made the determination that my documentation was not valid. 
this is incorrect. 

XXXX accepted the same documentation the week of XX/XX/XXXX. 

Experian is currently causing seriously financial harm and commercial XXXX acts to me by reporting continuing to report adverse information. 

I demand the items listed in my private correspondence with experian be removed immediately. as we are now days past the 4 day time limit.
Product: Credit reporting

I have contacted equifax on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX {$180.00}, XXXX {$43.00} and XXXX {$48.00}, XXXX {$2300.00}. After properly disputing these accounts four times i received a letter from equifax stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Equifax the letter i received. Equifax still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either XXXX. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX, I have multiple disputes with the company and Equifx credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that XXXX magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Equifax has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Equifax is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Product: Credit reporting or other personal consumer reports

I have filled out a 1099c form regarding this student loan, it was submitted XX/XX/year> and I have attached evidence that it was accepted by the IRS XXXX XXXX and mailed to them XXXX XXXX. This company has not updated my account to paid as agreed. 

I have tried to settle this matter for more than 2 months with the company, credit agencies as well as the companies trustee/indenture trustee as this is also a securities fraud matter
Product: Debt collection

I stopped paying discover student loans because i couldnt afford it. For 5 years I tried working with discover and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from XXXX XXXX, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.
Product: Checking or savings account

Someone unauthorized a withdrawal from my chime stride bank account. I filed a police report and gave them all of my documents as well as a police report and the claim was denied