23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a problem with false information being reported on my credit profile. 
I wrote dispute letters to XXXX, XXXX, and TransUnion. Asking them to investigate the following account and validate the collection account XXXX XXXX. On XXXX. Its has been over 60 days with no update, I sent out a 30 day demand to comply request / letter on XXXX by certified mail. 
XXXX received the letter on XXXX at XXXX, Tracking # - XXXX XXXX received the letter on XXXX at XXXX, Tracking # - XXXX TransUnion received the letter on XXXX at XXXX Tracking # - XXXX Per XXXX they removed the account. I followed up with XXXX on XXXX they confirmed they removed the account confirmation # XXXX. I called XXXX on XXXX to request proof of deletion, I explained to them I still have yet to receive anything from them verifying the account or investigation results. I was disconnected on three times no one has yet provided an update as to what was going on, and explain why XXXX is still reporting false information on my credit report. TransUnion is also claiming they never received anything. I also sent XXXX XXXX a debt validation request it has been over 30 days I still did not receive anything from them. Letter was sent on XXXX by certified mail they received it on XXXX at XXXX Tracking # - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XX/XX/XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.
Product: Debt collection

These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. 

Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. 

This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.
Product: Credit card or prepaid card

I am a victim of ID Theft with Synchrony Bank / PayPal Credit. I have submitted a police report and other information to verify my identity and they are refusing to close this as fraud. Every time I call Synchrony Bank / PayPal Credit to get a status update they keep giving me false information and making up excuses as to why they aren't closing this as fraud. I most recently called them on XX/XX/2021 and this time I was told by XXXX that they didn't get the documents I sent them back in XX/XX/2021, so that is why the fraud claim was denied. I am frustrated with this Bank, they don't listen and they don't understand fraud/ID Theft. This account was not opened by me and Synchrony Bank XXXX PayPal Credit needs to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
Product: Credit reporting, credit repair services, or other personal consumer reports

A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Equifax must respect my right to privacy. I have a right to privacy ; Equifax is violating my rights to privacy as a Federal protected consumer. There is a need for Equifax to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Equifax actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Equifax actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.
Product: Mortgage

I applied for a modification numerous times, twicw in XXXX, the interest rate used is 2.00 % to calculate the modification which is the rate as at XXXX, effective XXXX XXXX, the interest rate was 3 % & effective XXXX XXXX, the interest rate will be 4 %. The underwriters used {$160.00} for XXXX dues & I do not have XXXX on this property. XXXX dues are on XXXX vacant land which I own & clearly stated so in the modification application. The denial is the same as the XXXX XXXX using the old interest rate when the loan became in default XX/XX/XXXX.There are numerous waterfalls which would allow a modification approval. foreclosure sale date ofMarch XXXX, XXXX. I will be forwarding a copy of this email to the Florida XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like request a full Lexis Nexis, XXXX XXXX, XXXX credit reports. I have attached my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX  sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX  remarks on accounts : Remarks Charged off as bad debt Canceled by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Product: Credit card

according to Sofi they have information and proof that Ive indeed made those purchases and Im disputing them because I didnt receive them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total disputed amount : {$3900.00}
Product: Credit reporting or other personal consumer reports

Experian has FAILED to fulfill the requrements under 15 U.S.C. 1681i ( 7 ) / 611 ( 6 ) ( B ) ( iii ) and totally didregarded this LAW because they have been sending me postcards that do NOT address the information I requested and if forced I understand I have a right to sue in a court of law entitling me to be compensated for the multiple violations committed by Experian.XXXX Days have past and that is a untimely violation committed by Experian! 
15 U.S.C.1681i ( 7 ) / ( 6 ) ( B ) ( iii ) A consumer reporting agency shall provide to a consumer a description of the investigation procedure. A consumer reporting agency shall provide to a consumer a description refered to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX  Days after receiving request from a consumer for that description. 
Where are the Procedures that I requested that led to the ( XXXX ) accounts listed in this communication to be VERIFIED after I disputed each one because I gave no CONSENT, PERMISSION or any WRITTEN INSTRUCTIONS to furnish any of the ( XXXX ) accounts to be placed on my Experian credit report as required under 15 U.S.C. 1681i ( b ) ( 2 ) / FCRA 604 ( a ) ( 2 )? 

Where are the names of the persons that you spoke to that I requested in accord with Section ( XXXX ) ( B ) ( iii )? 
Why does your agency continue to send me postcards ( XXXX XXXX ) that does not contain any of the information requested and is required for your agency to provide after receiving my Section ( XXXX ) ( B ) ( iii ) requests? 
I assure you that I will be willing to provide these silly postcards in a courtroom as exhibits. 
These accounts are disputed as per 15 U.S.C. 
168b ( a ) ( 2 ) and should be removed from my credit reports. 
I disputed these ( XXXX ) accounts via CFPB Portal. 
CFPB # XXXX on XX/XX/year> and at least XXXX have been verified as of today XX/XX/year>. 
Again, I am requesting the Procedures that led to the accounts to be disputed in the past and at any time in the future : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Additionally, I am a federally protected consumer and I am also requesting my Experian credit FILE in its ENTIRETY. I want everything and I do mean EVERYTHING that you have on me in my Experian credit file. 
Please do not confuse CREDIT FILE with a credit report. I want my CREDIT FILE in its ENTIRETY as well as the procedures that led to these ( XXXX ) accounts to be verified within 15 days according to LAW. I assure you that I am keeping very careful records and will sue Experian if I am forced to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to LexisNexis to have them remove my personal information from their service. They informed they would do so within 45 business days. When I check to see if my info was still listed 60 business days after their response, it was still listed.
Product: Student loan

Good day, When it was suggested to apply to the SAVE program, I applied but was denied. When I contacted Mohela, I was told that my income was too high.

I was sent a query about Mohela 's handling of my loan. I shared that I was denied the SAVE adjustment and was concerned about the reported qualifying payments for two loans. Initially, the platform showed that I had XXXX qualifying payments with XXXX  verified payments, XXXX  payments that required employment verification, and XXXX ineligible payments. I shared that I have sent in my employment verification several times with no resolution.

About a week or so back, I received an email that I would have a new loan servicer so I should download my information from Mohela. When I went back to the platform, my loans now showed XXXX verified payments, and XXXX  payments needed. 

I do have screenshots from the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Product: Checking or savings account

On XX/XX/2024, XXXX transactions were made in my Wells Fargo checking account that I did not make. 
XXXX from XXXX XXXX for {$83.00} XXXX from betway.com for {$290.00}. ( those were all credited back ) XXXX from XXXX XXXX for {$2500.00} ( that charge is no longer visible on my account ) XXXX from XXXX XXXX XXXX for {$2600.00} Wells Fargo told me that XXXX XXXX XXXX told them these were all credible charges by the consumer. I spoke with XXXX XXXX XXXX and they have no record of me having an account and told me Wells Fargo should handle this. 

I have filed at least XXXX claims and have spoken to many people at wells fargo. Each time I am told a different story. I have opened multiple tickets and have repeatedly been told that they are unable to locate the tickets and continue to tell me the case is closed. 

None of this makes sense. My Wells Fargo bank account was cleaned out in about XXXX minutes and I immediately called Wells Fargo and asked them to decline the pending charges and they refused. 

I spent an enormous amount of time, since XX/XX/XXXX, trying to resolve this matter. The conversations are repetitive and get nowhere. All of the conversations are recorded. 

This is a significant amount of money for me. I am a school teacher and live paycheck to paycheck and really need some help
Product: Debt collection

Transworld Systems Inc ... Has just submitted a bill for payment of a XXXX Ticket Owed to the XXXX XXXX XXXX XXXX in Washington State, for ( {$230.00} ) This bill was fully paid using cashiers check # XXXX To : Transworld Systems Inc. ( {$200.00} ) Dated : XXXX. 

This is the second time the same bill has been submitted by the same company. ( Which is already paid ) XXXX they added another fee. 

This Violates their " Stipulated Order for permanent injunction and monetary judgment '' Signed with FTC XXXX/XXXX/2013, as a subsidiary of XXXX.
Product: Mortgage

Nationstar is my mortgage loan service company. My mortgage due date is the XX/XX/XXXX and the grace period stated in the loan docs is the XXXX. Nationstar knows that I work nights and go to bed at around XXXX. Nationstar called on XXXX XXXX at XXXX and I told them the payment would be made on the XXXX. They called again at XXXX on XXXX XXXX, at XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I believe this is harassment and I told them so. They claimed it was not harassment.
Product: Credit card

Citi card double cash provides cash back, this cash back can be applied as a statement credit. The issue is when you apply your cash back as a statement credit it also reduces the amount owed. However they amount showing as outstanding is wrong. What they don't tell you is that you have to pay the amount owed prior to statement credit. So our account showed a balance of say {$2000.00} we applied a {$500.00} statement credit and the amount due was {$1500.00}. When I'm actually we needed to pay the {$2000.00} in order to avoid interest charges. No where does it tell you this, if you call in, look online, or check the app they all will tell you that you're new amount due is the lower amount. So when we paid that amount they charged us interest for the total amount due. When we asked about how we were supposed to know that we had to pay the higher amount nobody could explain or show us anything. The reality of the program is that the statement credit applied only to the current statement not the statement that is due.
Product: Debt collection

XXXX Account number XXXX opened account. false information would like to be removed from my credit account asked for verification none was received XXXX XXXX account number XXXX opened account and one closed. false information would like to be removed from my credit account asked for verification none was received XXXX XXXX XXXX Account number XXXX opened account. false information would like to be removed from my credit account asked for verification none was received XXXX XXXX XXXX Account Number XXXX opened account. false information would like to be removed from my credit account asked for verification none was received XXXX XXXX XXXX Account Number XXXX opened account. false information would like to be removed from my credit account asked for verification none was received Inquires I have No Knowledge Of Id Like to be removed XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Only one name on my credit report As my ID and only 2 addresses on my credit report proof provided below
Product: Credit reporting

XXXX XXXX Transunion shows XXXX flagged account " Unrated or Bankruptcy ''. 
Have {$0.00} Balance and No Account Records Available. 
Contacted XXXX/XXXX/2016 WHEN NOTIFIED BY MYIDcare. Called XXXX XXXX ( XXXX ) She could find no records and said " I would have to file a complaint with the Credit Bureau to have the submission removed ''. 
XXXX
Product: Bank account or service

I noticed ATM withdrawals being made against my Bank of America account that were not made by me. I contacted Bank of America and canceled my business debit card and explained the situation. They put the $ XXXX+ back into my account, canceled my card and issued a new one. Approximately 1-2 weeks later, Bank of America sent me a letter stating that they were taking the {$1400.00} back out of my account as they found no fraud. I appealed their decision via telephone call as I absolutely did not make the withdrawals. At that particular time, thieves were using gas station pumps to steal debit card numbers and pins. I believe that is what happened to me. Bank of America denied the appeal and refused to give me my money. At this point, I started calling the banks where my ATM card was used fraudulently. One of the banks found the video of the person that withdrew the money and it was clearly not me. I wrote a very detailed letter to Bank of America and included screen shots of the video, offering the actual video to them at their request. I also filed a police report, found several articles regarding the gas station thefts ( one that quoted a Bank of America professional ), submitted their own policy of protecting business debit cards to them and asked for another appeal. I am attaching this notarized letter to this complaint for your information. Bank of America still refused to give me my $ XXXX+ back. As a result, automatic payments went out on the account which gave me a negative bank balance. Add bank penalty fees to that and we have a mess. I hold Bank of America directly responsible for all of this as they failed to keep someone from fraudulently using my card and then absolutely REFUSED to put the stolen money back into my account after I reported the information, provided video proof and filed a police report. Please look into this matter for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not providing proof of their investigation. 

See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX 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