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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.I 've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy .... 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 report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they is held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable. 

TD BANK USA/TARGET CREDIT Last reported XX/XX/XXXX {$460.00} Reported balance Credit limit {$300.00} You're using 154 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 0 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
Product: Credit reporting or other personal consumer reports

I XXXX from XXXX school XX/XX/XXXX. Nelnet started billing me one month later before the pause on student loans was even lifted. I filed for IDR but they still reported my account as 90 days past due on XXXX. I disputed it but they have not taken it off my credit report. It is my understand that student loans have a grace period after graduation before repayment begins. It is also my understanding that the law passed by the federal government was supposed to protect borrowers from having their accounts reported until XXXX of XXXX. I would like the 90 days past due to be removed from my credit report. According to emails I received in XXXX of XXXX the loans still should have been on pause but I was receiving bills as early as XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX me and Wells Fargo agreed to a XXXX month forbearance however, Wells Fargo failed to honor the agreement. On XX/XX/XXXX I was instructed to submit an application to XXXXXXXX XXXX XXXXXXXX within 10 days for a trial plan, I did so. Wells Fargo however failed to honor the agreement. We went several more months up until XX/XX/XXXX when I called a relative XXXX XXXX XXXX and asked if he would loan me the money. XXXX XXXX agreed to let me have the money in exchange for me working with him in his contracting business. I agreed and he called and spoke to a lady named XXXX XXXX who took the payment on XX/XX/XXXX. I was sent a letter from XXXX XXXX confirming that XXXX XXXX had made the payment and stated that my loan would be reinstated immediately. However I received notification that they were proceeding with foreclosure. I told them that I had paid the amount necessary to reinstate my loan and was told that I needed to forward them the receipt or provide them with a copy of the letter I received XXXX XXXX XXXX XXXX. because I was not the person that made the payment, I did not have the receipt and I was also unable to find he letter since we had been packing for the foreclosure and was now unpacking. I was told that if I did not have either there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit eport. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$330.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.
Product: Vehicle loan or lease

I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.
Product: Checking or savings account

The bank helped me and fixed the problem right away. I want to place a fraud alert with consumer finance because of the right I have for the 7 years when someone pretended to be me and charged my debit card. Also, its been several times in the last few years that my account has been hacked. This is very frustrating to me. Im hoping the fraud alert for the next 7 years would help.
Product: Debt collection

First, I'd like to say that according to House Joint Resolution 92 of 1933, that all currency, such as federal reserve notes, are debt instruments and promises to pay and only gold and silver can pay debts according to the constitution. Next, National Credit Audit Corporation is a third-party debt collector and not a creditor. I don't have an agreement between myself and NCAC for any alleged debt yet, the third party violated 15 USC 1692c as the debt collector does not have any consent from me to have my information or to contact me. Also, NCAC violated 15 USC 1692f by selling my information to consumer reporting agencies despite not having an agreement between me and the third-party debt collector as well as abusive language stating I owe NCAC despite there being no money of value in the United States XXXX Do not disregard my rights and ignore the fact that I am exercising my rights as a federally protected consumer.
Product: Bank account or service

On XXXX XXXX, 2016 I made a deposit to my checking account of XXXX. On XXXX XXXX, 2016 money was swept from my overdraft protection line of credit and a sweep fee ( {$12.00} ) was assessed. When I contacted the bank via the customer service phone number XXXX explained that it appears a hold was put on my account and I wanted to understand if the fee would be reversed once the deposit cleared. This question could not be answered and I was told my name was going on a list to be contacted by a manager. Almost two weeks went by and I never heard from them. On XXXX XXXX I contacted my branch ( XXXX office ) and explained that I 'd like to know if my fee can be reversed since my deposit has cleared. I also asked why I was never told a hold was being put on my deposit. She explained that if I flipped my deposit receipt over I would see the hold notice. She also explained that they do not typically reverse these fees since I am made aware of the hold, however, in this case I was n't. I made my deposit through the drive-up and they could have simple told me a hold was being placed but nothing was said to me other than, 'Thank you have a great day '. Prior to BB & T taking over Susquehanna Bank a hold notice would have been mailed the same day or the following day and a verbal notification would have been provided at the time of deposit if the decision to place a hold was known. I feel that this practice is deceptive to the customer and is increasing BB & T 's fee revenue at our expense. Please note : The front of the deposit receipt looks exactly the same whether there is a notice on the back or not, so there is truly nothing telling you to flip it over and read the notice. Since the branch manager is on vacation I still have not gotten a resolution. I think BB & T should verbally inform their customers of their decision to place a hold or at least tell them to review the hold notice provided on the back of their deposit receipt since the decision to place the hold has already been made at the time of deposit. I do n't believe Reg. CC was meant to increase fee revenue as BB & T appears to be utilizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Equifax, XXXX, and XXXX  RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by reporting wrong or inaccurate information onto my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed multiple times information that has already been removed from XXXX. 
These are not my accounts. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, first premier. 
They havent provided any sort of documentation holding me to these accounts. 
Im requesting my written signature on any contract tying me to any of these debts. 

TransUnion/XXXX  refuses to cooperate and respond timely. 
Its ridiculous.
Product: Credit reporting or other personal consumer reports

I've mail a letter XX/XX/XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Product: Debt collection

RENTRECOVERYSOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, GA XXXX XX/XX/XXXX Dear RENTRECOVERYSOLUTIONS, I am writing to address a discrepancy I have observed in my credit report regarding the following account : RENTRECOVERYSOLUTIONS Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state.

3. Proof of your company 's bonding.

4. Documentation detailing the assessment of the outstanding debt.

5. Payment history records from the original creditor.

6. Contact information for the original creditor.

7. A copy of the original contract bearing my signature.

8. Documentation outlining the chain of ownership pertaining to this debt.

9. Verification of your legal authority to collect this debt.

10. Confirmation of ownership or assignment status of this debt.

11. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt.

12. Disclosure of the purchase price of the debt.

13. Information regarding the date of the last payment made on this debt.

14. Breakdown of any fees/interest accrued on the debt.

15. Explanation of the methodology employed to determine said fees.

I appreciate your prompt attention to this matter and your cooperation in providing the requested documentation.

Thank you for your time and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I filed a dispute with Equifax concerning items the I believed were unverifiable, incomplete and inaccurate. Equifax failed to finish the investigation within the 30 days alloted time. In addition Equifax failed to provide the information on file pertaining to the disputed accounts or provide any documentation evidences proof of me engaging in a consumer transaction.
Product: Credit reporting or other personal consumer reports

I sent letter TransUnion Consumers Solutions removing. It has been more than 30 days and they have not done it yet. 


These are the wrong addresses : - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Product: Debt collection

XX/XX/2017 i was billed {$60.00} by XXXX XXXX XXXX XXXX XXXX My deductible was met and i should never have been billed. I called insurance and problem was XXXX XXXX needed to fix something on billing. ( It was 5 years ago so i can not remember specifics ) i called XXXX XXXX several times to explain and make sure it was handled. ( XXXX XXXX XXXX ). I was told it would be handled. Since it was XXXX years ago i can not remember if i ever received a letter from collection agency. If i did i would have reached out to them appropriately and explain same. I called this agency bc of another issue ( which i will file complaint next on that issue ). This was brought up. I explained situation. Rather than resolve, they sent me a copy of bill " per my request ''. Not only did i not request, but this has been on my credit report without my knowledge and is not a valid charge to me. The collector was not interested in the facts. The XXXX is expired and this needs to be fixed and removed from my report.
Product: Vehicle loan or lease

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX. ( XXXX ) XXXX XXXX After speaking with a few dealerships within the XXXX XXXX AZ XXXX, the XXXX XXXX XXXX associated with VIN XXXX should have never had been financed to me as the negative equity is {$9400.00} if you use the middle trade in value of the range of $ XXXX which is {$7600.00} and subtract the middle trade in value from the current trade in payoff value which is {$17000.00} ( {$17000.00} - {$7600.00} = {$9400.00} ). The way that the financing is now is that I would be buying two to three used cars instead of one if the loan were to be paid off today, XX/XX/XXXX. Also, the key fob is severely defective. During the early part of XX/XX/XXXX, when I turned off the car and withdrew the key and it's fob from the ignition, the key fob bit remained within the ignition switch. Luckily I fished out the key fob bit and was able to anchor it to the rest of the fob. I thought I had repaired it but had not. During the mid-part of XX/XX/XXXX, the epoxy had cracked and the key fob bit flew about the interior of the car upon removal from the ignition. Luckily, I was able to find the key bit because I had the windows rolled up. I can not afford to purchase XXXX new key fobs that would total over {$700.00}. I have currently anchored the key bit in place with XXXX XXXX, but there is not guarantee that this is a permanent remedy. This is the second car I have financed with XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The first one was a XXXX that traded in at XXXX XXXX XXXX XXXX. A {$50.00} car part was replaced by me so that the car interior would not build up with gas fumes and/or gas liquid that can be ignited by a lighter or spark. I have paid a current total of {$5200.00} for this vehicle. Since owning the vehicle people have brought it to my attention that the car could have been involved in a governmental repossession involving the concealment of XXXX or XXXX. The top area of the transmission XXXX has been bent in a way that could hide a small amount of these drugs. I though XXXX had constructed a pencil holder. This is the second car that has had severe mechanical issues that XXXX has helped me to finance from XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The first one was a XXXX that traded in at XXXX XXXX XXXX XXXX. A {$50.00} car part was replaced by me so that the car interior would not build up with gas fumes and/or gas liquid that can be ignited by a lighter or spark. I can not and will not turn my head twice to having two separate vehicles with such repairs being made. I have paid a current total of {$5200.00} and will have paid a total of {$5400.00} if the next payment is processed on XX/XX/XXXX. My local XXXX has been incredibly slow in helping me to remedy this situation as it has been over two weeks since I reported this issue. The telephone number of the local XXXX handling this case which is numbered XXXX is ( XXXX ) XXXX and the last known name of the XXXX employee handling this case is XXXX XXXX who can be reached using the email address of XXXX XXXX