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

There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card account with XXXX has been closed and charged-off since XX/XX/2019 in the amount of {$170.00}. I've disputed this item with XXXX but they claim they can not find my account. XXXX can not verify my account however, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Credit card

I closed the account last year in an effort to avoid paying the yearly fee so I can pay down the card and be done with it. They keep charging me monthly maintenance fees for a CLOSED CARD as well as I was charged the yearly fee again. This keeps bringing the card either close to or over the limit making it impossible thus far to pay this down!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Transunion continues to maintain a public record that I have been disputing since XX/XX/XXXX. 

When the record came back as verified, I called to find out who reported it because the courts do not report public records. At the time I was told that it was from the courts themselves. So after sending back a court letter stating this information, Transunion stated it to be frivolous. So I called again to find out where the information was pulled from and to no avail, no resolution was reached. In XX/XX/XXXX, I finally found evidence that the public records vendor was XXXX and contacted them immediately. I noticed that the public record had not only two different filing statuses ', but a SSN attached to the reference number. When I pointed this out, it was immediately removed from the XXXX database. After sending this proof to Transunion, they stated that their vendor still verified the record. Prior to XX/XX/XXXX, Transunion publicly claimed XXXX as the sole provider of public records. 

So I went back to the website and found the alternate vendor, LCI. Even though this was not the vendor, I wanted to do my due diligence to see where Transunion would look to maintain such a gross record for no reason. After being sent a letter in 2022, LCI stated that they did not report the record to TransUnion. When I sent in the proof to TransUnion again, I was sent back a letter stating they would not re-investigate the matter. 

I followed up by asking the investigation procedure and according to TransUnion, they hire a XXXX party vendor to report public records. I also, previously, reached out to the courts who stated a public record can't maintain multiple filing statuses. XXXX, XXXX XXXX, LCI, and the courts do not have any public record that has been reported to Transunion. However, TransUnion refuses to remove this record from my credit report. I have sent all of this proof and was still denied a fair investigation. 

As of today, Transunion has violated at least a dozen times and picks and chooses which times and which letters they want to review or adhere to when my protections under federal law are clear. As a consumer, I have a right to privacy which is being breached for profit by this organization. Furthermore, a private company such as Transunion was given no such written permission to collect let alone furnish damaging information about me to others and not only that, maintain a record that can not be verified by any vendor that they share publicly. I have reached my wits end as Transunion has violated the following laws, 15 U.S.C. 1681 section 1602 A states I have a right to privacy 15 U.S.C. 1681 section 1604 A Section 2 states that a credit reporting agency can not furnish an account without written permission 15 U.S.C. 1681 section 623 ( A ) states that a credit reporting agency can't report with actual knowledge of errors 15 U.S.C. 1681 section 623 ( B ) states that a credit reporting agency can't report information after notice and confirmation of errors
Product: Checking or savings account

I have been complaining to wells fargo since XX/XX/2022 that my money that is being deposited is disappearing Quickly covering overdraft fees. That should not exist because they are posting my deposits late. I called on the monthly basis since XXXX complaining that they even posted a XXXX deposit late Which should have been instant. I explained to them the text message I received says I have a certain available balance. But the website shows my deposits are pending.. And accounts that are ready for withdrawal. Are being paid With a negative balance because they are not posting my deposits on time. There were times that deposits were not posted until two business days later. Around late XXXX or XXXX a case manager was assigned to me while she reviewed my concerns. She came back telling me that I need to manage my money better. There were times that {$300.00} a month was going towards overdraft charges throughout the year. I did not realize this until XXXX that this was going on. 
I felt that wells fargo has been getting away with this because their website does not show Available balances accurately by each transaction. There was one time a representative told me by phone. I had a certain balance that was higher than what it said on the line of the statement. When I asked him to repeat what he said And explain the difference in what he sees on his in versus what i'm looking at all my all my statement He instantly choked up and just started to say things Based on what I was saying and not from His computer screen. I honestly felt I was not getting the help I deserved And he was just covering up the mistake.
Product: Student loan

I am a  XXXX   year   old    XXXX   with  XXXX  bachelors ' degrees, working full time plus per diem (  XXXX  jobs  )  in the poorest most crime-filled city in Massachusetts, and holds a record in the country as well,  XXXX , MA. Since graduating from my first degree in  XXXX  I have owed hundreds of thousands of dollars to  XXXX   XXXX   (  then becoming  Navient ) , a major lawsuit victim due to extenuating criminal activity. I have private and federal loans, both of which add up to way beyond my cost of living ( over  XXXX  in loans just to be a   XXXX   XXXX   ). I have tried for the past  XXXX  years to lower payments to something even close to reasonable, which I am not able to do. Payments exceed 1000/month. This is indescribable and morally wrong. I have since separated federal and private payments : my federal loans are under a forgiveness program due to my being a  XXXX  in a poor city hospital. This has helped a little and in   XXXX    years my federal loans supposedly will absolve. My private loans are still with Navient and even though I am on an income based repayment plan it is deplorable. I need help with finding a lawyer who can assist me in getting proper restitution with this. I can not tell you how many people I know who have little or no student loans due to some kind of assistance they have received, many not having the same due diligence as I. I am a US citizen, born here from other US citizens, working and paying taxes since I was  XXXX   years old . The amount of students  (  Including both  XXXX  Marathon   XXXX   XXXX   ) who have gotten aid in paying for school who do n't even deserve it, is reprehensible. Please help me in finding the right direction to make this right.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt or credit management

I have paid over {$900.00} every month since at least XX/XX/year>. The company changed names about a year into our relationship with them. They are now known as Elite Financial Services. And they use XXXX XXXX XXXX as an intermediary. I need to reach out to my bank to get an exact amount, but I've paid roughly asking {$25000.00}. Half way through the apparent program they called to offer some sort of debt consolidation but i declined. The guy I call is XXXX XXXX. He never picks up my calls or responds to texts. This company doesn't seem to exist on the internet. I called a company in South Carolina called Elite Financial Services, and they told me they get calls all the time from me and that the company I'm dealing with is probably not legitimate. They recommended I reach the attorney general of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX DEPT OF EDUCATION ACCOUNT NUMBER XXXX HAS VIOLATED MY RIGHTS. I HAVE TRIED TO FIX THE PROBLEM SEVERAL DIFFERENT TIMES. 

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. 

15 U.S.C. 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

I HAVE SUBMITTED MULTIPLE FTC REPORTS, I HAVE SENT IN SEVERAL DISPUTES. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT I WILL HAVE TO SUE TRANSUNION {$1000.00} PER EACH VIOLATION ON MY CREDIT REPORT. IF THIS ACCOUNT IS NOT DELETED IN XXXX BUSINESS DAY I WILL START THE PROCESS.
Product: Credit reporting or other personal consumer reports

I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor XXXXay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXX  Last 4 digit of SSN : XXXX
Product: Debt collection

I applied for an apartment online with XXXX corners apartment XXXX i used my XXXX  debit card thy charged me {$220.00} in Texas they take their money first for the application and admin fee. i went on about my life and the other apartment i applied for i got so i moved their fast forward XX/XX/2023, somehow, I'm in collections for a debt that was paid up front however i didn't know I was in collections till XX/XX/2023 when I applied for another apartment. they told me that i owed for back rent to Columbia debt collections dba as genesis. i asked them for the information they gave it to me so i called them an told this this was not correct i paid the original owner i had the receipt and my bank statements to prove it. they told me i wrote a check and i owed {$150.00} it bounced and i stated i do not owe and i never wrote a check and i know for a fact they got paid i sent in the recepit and they still say i owe them {$150.00} when i ask how did they get that amount when the original debt i paid upfront was {$220.00} they can't tell me i need this removed from my record as this information is not vaild.they are knowing breaking consumer law
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus TransUnion and XXXX, failed to make corrections and updates to my XXXX XXXX, despite my submission of information validating that company 's claim was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair credit reporting act any non-public information shouldn't be furnish to any credit reporting agency without my written conscent. Pursant to 15 u.s. code 1681b permissble purpose of consumer reports. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : 1. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Mortgage

My complaint is that I can not obtain the participation in HUD-assisted programs and activities without regard to race, color, national origin, sex, religion, familiar status ( families with children under 18 ) or disability due to programs not available exclusively to me, XXXX XXXX XXXX XXXX. 

The type of problems I am having is HUD assisted programs and HUD activities. 

Its happens to be no HUD-assisted programs and activities are where I can find them. 

The company is XXXX, XXXX, and XXXX. 

The people involved are Employers and Hospitals refusing to Disclose my XXXX XXXX and XXXX XXXX to HUD-assisted programs.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, PORTFOLIO RECOVERY ASSOCIATES due to invalid date. XXXX denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, any information. Im requesting this derogatory remark be removed immediately as its affecting my chances of getting a house, and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Consumer Loan

I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and Equifax ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
Product: Credit card or prepaid card

If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.
Product: Money transfer, virtual currency, or money service

I was offered a fraudulent job through XXXX for a remote XXXX XXXX position. 
After filling out various paperwork, I was prompted to have an area set up for my home office. 
When they were prepping me to do so, they said they were going to send me soft checks to deposit in their vendors account and it would be delivered next day. 

The checks were sent through email and they wanted me to deposit through mobile deposit and when the funds were available I was told to withdraw the money and deposit it into a vendors account. 

The first check was withdrawn XX/XX/2021 of the amount {$4600.00} and the second was XX/XX/2021 of the amount of {$4500.00} The bank resolved the mobile deposits portion but I am in a horrible position because i withdrew the money without the acknowledgment that i was getting scammed.
Product: Credit card or prepaid card

This is a XXXX Credit card that is through SYNCHRONY Bank. 

There is a UNAUTHORIZED monthly charge of XXXX PER MONTH on my account. 

They CLAIM I check marked a box on my original ONLINE application for the card for " credit protection ''. 

Not only did I NOT do this I also never INITIALIZED the charge nor did I ever agree to it verbally. 

They have refused to remove all of the XXXX PER MONTH charges in which I NEVER Authorized them to do nor give my card # to some outside company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Should be addressed with Experian and XXXX XXXX XXXX. This is against my rights as a consumer. 

The Collections Account - XXXX XXXX XXXX is inaccurate and should be They are trying to collect on an account that was paid and satisfied. They are trying to collect on an account that was paid and satisfied in XXXX XXXX XXXX. Please see the attached documents for reference. This is not my debt they have put this on my credit multiple times now. This was removed before from all three bureaus but Experian allows this to be put back on. 

My Attorney XXXX XXXX XXXX XXXX & XXXX Attorneys ( XXXX ) XXXX at law is in the process of Suing for this false collection against XXXX.
Product: Vehicle loan or lease

I am submitting this letter to request the immediate removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the prompt deletion of these accounts and information from my consumer report, as their continued presence violates multiple laws. Please take immediate action to remove these accounts and associated information without delay.
Product: Debt collection

NOTICE OF DEFAULT ON DEMAND TO CEASE AND DESIST ALL COLLECTION ACTIVITIES OF ALLEGED DEBT, NOTICE AND DEMAND FOR PAYMENT, INTENT TO SUE, AND OPPORTUNITY TO CURE AFFIDAVIT OF TRUTH AND FACTS, SEEKING RELIEF AND MONETARY DAMAGES. This matter arises from Pulte Mortgage, LLC committing security fraud by recording a tampered fraudulent mortgage with XXXX XXXX Florida on XX/XX/XXXX, XXXXThis is an action for damages that exceed {>= $1,000,000} ( XXXX XXXX ). On XX/XX/year>, XXXX XXXX and XXXX XXXX executed and delivered to Pulte Mortgage, LLC a Note and mortgage, Security instruments for a loan. XXXX XXXX and XXXX XXXX hereby certifies that the mortgage, dated XX/XX/year>, executed by XXXX XXXX XXXX and XXXX XXXX, and delivered to Pulte Mortgage, LLC and XXXX XXXX XXXX XXXX  XXXX is tampered and Fraud. ( attached, copies of both mortgage with tampered recording and original mortgage ). Mortgage recorded on XX/XX/year>, in Official Records Book XXXX, Page XXXX, public records of XXXX XXXX XXXX in mortgage XXXX # XXXX. XXXX Mortgage, XXXX and XXXX XXXX XXXX Florida XXXX XXXX, XXXXXXXX XXXX XXXX altered and tampered with XXXX XXXX XXXX and XXXX XXXX signed mortgage security instruments. Pulte Mortgage, LLC and XXXX XXXX modify the physical security instruments documents by removing XXXX XXXX name and related information about XXXX XXXX after it has been signed and concluded by XXXX XXXX XXXX and XXXX XXXXPulte Mortgage, LLC and XXXX XXXX, loan documentation fraud. Altering and tampering with loan documentation is a serious crime. Contracts or Legal documents signed and notarized or recording for official records against real or personal property can not be altered and tampered. When it is reported that a document was forged and that the forgery was committed with the intent to injure or defraud another person, law enforcement officers and prosecutors take an aggressive stance when investigating and prosecuting these crimes. Under Florida Statute 831.01, forgery is classified as a third-degree felony. Pulte Mortgage, LLC and XXXX XXXX, falsifying a notarized document in Florida to commit fraud is a third-degree felony. Chapter 817 FRAUDULENT PRACTICES, SECTION XXXX. Unlawful filing of false documents or records against real or personal property. 
19. ( 1 ) As used in this section, the term : ( a ) File means to present an instrument for recording in an official record or to cause an instrument to be presented for recording in an official record. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are third-party debt collectors Under the Federal Debt Collection Practices Act ( XXXX PA ).