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

Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I received 2 pieces of mail to collect a debt from a person who has never lived at my residence. I bought my house from a man who lived alone. I have lived in my house for 3 years, and have not joined a gym while living in Utah. It was clearly sent in error. 

The person on the complaint is female. 

I called to rectify it the company said to leave a voice mail, the voicemail was full. Also they had no email. 

I found this extremely suspicious. Additionally I know that XXXX fitness uses a place called XXXX XXXX for their collections after googling. 

I also don't want them to touch my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I tried to follow the law and started to send letters to the XXXX in order for them to eliminate the accounts and the information that is incorrect on my credit report. They are not answering me and they are not doing anything on my credit report either. 

I just want to be able to find a resolution, and they are just ignoring my letters.
Product: Mortgage

Account : THIRD FEDERAL S & L ASS # XXXX There was fraudulent Quick Claim Deed created in my name and the person did not pay the mortgage on time. Therefore, the Third Federal placed late payments on my credit report and started Foreclosure process and would not accept any payments after I became aware of the situation. I have contacted the Third Federal, XXXX XXXX XXXX XXXX and made them aware with a previous theft report along with a filed law suit, which I have attach all documents with the compliant. There was not full investigation on behalf of Third Federal, XXXX XXXX XXXX as XXXX has " DELETED/BLOCKED '' the account as required BY LAW ( FCRA 605B Attached ).

Third Federal will be held labile for damages for Breach of Duty, Breach of Duty cause for injure and loss! 

XXXX and XXXX  will be sued for not completing a full investigation, which is required by law! I will hired the attorney that sued XXXX  for XXXX XXXX dollars for this " negligence ''! 


I have attached CURRENT LAW SUIT for the party involved, Identity Theft Report from FTC, Current Credit Reports that show I have EXECELLENT CERDIT HISTORY on all 3 agencies.
Product: Credit reporting or other personal consumer reports

On early warning report all info incorrect. Someone is sending bogus info to early warning talked to banks involved they never sent info to early warning they are go to send me letters that the info is a fraud. Waiting for police to send me police report I filed about this bogus info. I know who is doing this you will see when I get report
Product: Credit card

I have a Citibank Costco credit card and I am set up for autopay full balance every month and have never had an issue until last month. For some reason there was a problem with the autopay and for some reason it did not go through right away but eventually did, there was plenty of funds in my account to cover the debit. I was charged a return check fee ( no checks were involved ) and interest. I contacted the bank VIA their chat service and was told I would be credited the interest and fee. The next bill came and the interest was credited but the fee was not and more interest was charged despite being on autopay for full balance. I contacted bank again and this time I was told nothing can be done. I won't go hungry because of a {$30.00} fee and {$20.00} in interest, but the bank is not entitled to this money and if they continue to charge fees and interest they are not owed it is abuse especially as I am a XXXX citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and EQUIFAX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have made several attempts via USPS, for Consumer Collection USA to provide evidence that the account belongs to me. Requested that they show proof of signature or any Contractual obligation to Pay  this company, to wit they have not responded to either letter I have sent. The first letter was sent on XX/XX/20 and was received by receptionist XX/XX/20 at approx. XXXX. The second letter was sent on XX/XX/20 and was received by receptionist on XX/XX/20 at approx. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/2023, around XXXX XXXX. PST,. I dialed ( XXXX ) XXXX. I was transferred to the XXXX call-center ( dispute department ) I Spoke to a female agent by the name of XXXX. I told XXXX I wanted her to submit a complaint on my behalf that I called the XXXX call center and had several agents disconnect the call on me. It only happens in the XXXX. I never had the XXXX XXXX, XXXX XXXX, XXXX or American call centers disconnect on me. Its becoming a pattern of behavior with the XXXX. After I politely explained my complaint, XXXX then disconnected the call on me. This was egregious. If this doesnt stop I will follow up my complaints with the AG , FTC and file a legal action against TransUnion and their XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While doing lots of investigating about a lot of inaccurate things on my credit report because I currently have no negative or bad accounts. But I couldnt figure out why I keep getting denied credit and the reasons being, I have too many unpaid accounts, I have charge off and late payments. Confused because I have ZERO! I look over my credit report and I notice accounts that should not be on the report. While still investigating I an subscribed to many credit report programs. As I carefully look through them I discover XXXX, trans Union and XXXX have information reporting differently, sharing and supplying derogatory accounts, charge off accounts, chapter XXXX court ordered discharged accounts and discharged debts that only give the remark as bankruptcy.

I will open another case with those accounts separately. But this one particular account from XXXX XXXX XXXX XXXX caught my attention. I opened an account with the bank around XXXX ( not real sure ) I was with the bank for years until I filed a bankruptcy and the account was closed around XXXX. And that ended the relationship with that bank. Well unknowingly all these years, 13 years later this bank has been fraudulently reporting derogatory and charge off reports. The bank has it I opened an account in XXXX, I never ever went back to the bank! NEVER! They are even going so far as to fraudulently report I made a last payment! They have been doing this for a very very long time. There is absolutely no way they should be allowed to do this to ANYONE! That account has been closed for many many years well exceeding the 7 years even if it werent in a bankruptcy. Its a lot of fraud going on and a lot of lying, re-aging decade old accounts and even updating account information. I have not had any kind of contact with this bank in so many years. Not a branch visit, no deposits nothing. There will be legal action and I am seeking damages for fraudulently reporting. When the debt is well over the legal statutes of limitations for collecting or reporting! They couldnt show one single transaction from myself at no time in the past probably 10 years! I want them exposed and I want justice for all my credit denial letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX FM XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX XXXX XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Product: Credit reporting, credit repair services, 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 under 15 USC 1681. XXXX  XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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 XXXX years. XXXX XXXX. XXXX ( 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXXXXXX XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from chase bank that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one Chase has mistaking lot recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was noticing more over draft fees was added to my account at times had reached over a XXXX dollars in XXXX  at various times. I made a call to to Navy Federal asking if some of the could be waived. The cleark waived one out of many. She then told me I had paid Navy federal collectively over XXXX within a 4 year span which was ridiculous. I was told to write a letter requesting to have some if not most of my fee reversed. After finding put how much money I've paid in XXXX. I sent the letter 2021 no correspondence was made back from Navy Federal
Product: Checking or savings account

Iam filing a complaint with the CFPB regarding capital one failure to deposit my direct deposit from my employer and any other deposits. Capital one has cited tecnical issues, which may violate the electronic funds act ( EFTA ) as it requires timley acess to funds. This situation rasies concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are held.thank you
Product: Debt collection

I am writing to formally dispute and request the removal of inaccurate information on my credit report pertaining to late payments. I insist that these accounts be updated to accurately reflect the payments made and that any negative information be rectified accordingly. 

The late payments in question are as follows : 1. Creditor Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inaccuracy : XXXX XXXX XXXX XXXX I want to bring to your attention that the payments for the mentioned accounts were made in a timely manner, and there is no basis for the reported late payments. I request that you investigate and update the information to accurately reflect that the payments were made on time. 
Furthermore, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is crucial that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

I received a letter from River Law Office in the spring of 2021, and it included a settlement offer of my original debt. Due to my employment situation, I was unable to pay them until XXXX of 2021. I was still in contact with them, as I question if this amount was already paid. I asked for an itemized statement in XXXX to be sure I was not paying twice. I did not get that letter, although they stated it was sent. 
In XXXX of 2021, I paid the settlement offer amount because I didn't want any negative impact of the delay. I resolved to the fact that the debt must be owed, despite not getting the itemized statement. 
I then received a call from a supervisor regarding my payment. When I called back I was told they didn't process my payment because the amount was not full. They informed me another {$300.00} was added to my account in the summer. I offered to pay my settlement amount and the {$300.00}. Riverview told me the settlement offer had expired, and they sent me the letter during tax time-claiming it was a tax special. I asked for a reconsideration of the original amount, as the letter did not state the offer was a tax-special, or temporary, or would expire. I was told no, and that I could contact my healthcare provider for more settlement opportunities. I called my healthcare provider billing department and they said they could not offer settlements. I had to handle everything with Riverview. Riverview has not processed any payment because they want more money than they offered me. I am asking them to honor the settlement letter and accept the lower payment they offered in writing- without time limitations.
Product: Mortgage

XXXX XXXX, 2017. In receipt of another generated response to the complaints filed with WFHM and after providing documents / receipts / Bank statements / direct payments WFHM excluded in their records. The information WFHM provided says nothing new, does not fully explain why they excluded pertinent information and why they are not reporting my mortgage to the credit bureaus. Additionally why WFHM continues to report my mortgage payments as late or not made at all, when they clearly have all of the information, receipts, etc, provided by myself and the Wells Fargo Branches. I have consistently reported this issue to the CFPB only to have WFHM send the CFPB generated responses, with no end result. The other issue I have is that WFHM is directly affecting my ability to re-finance, it also is directly affecting my credit score and ability to obtain new employment. To make matters worst WFHM in sending the incorrect information to re-finance, have directly resulted in a denial. With the information provided ( All Payment History/Month by Month ), WFHM will continually state that the information on their end still has missing payments. It would take a simple phone call to the branches to where the payments were made to resolve this information and clear up any confusion. Resulting in a apology letter from WFHM and compensation of any late fees attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I seen a hard inquiry from XXXX XXXX XXXX and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX   XXXX and they denied removing from my credit report. I disputed the item with XXXX  and trans union and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX stated vs the proof that I was refunded the amount i paid them proving I did not owe them money