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

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I want to start by saying thank you for looking at the items I sent in for investigation. Upon investigating the accounts, I investigated directly from the source furnishing the data to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts : Account Name : XXXX  Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
Account Name : XXXX XXXX Actions : Please remove the late payment from this account and update the account as paid as agreed. 
I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not XXXX percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Debt collection

I have tried repeatedly to contact trans world systems on XXXX to figure out why a medical debt for {$51.00} is showing on my credit report and I follow the prompts ( 1 for english and so on ). It asks me to enter my ss # and then I 'll be transferred to an agent. Each time I do and then the line just hangs up!
Product: Credit reporting or other personal consumer reports

My student loans of {$140000.00} were transfered from XXXX to the servicer MOHELA, and then payed down to a value of {$130000.00}. At some point the loan was transfered within MOHELA as they have updated their online platform. Due to that update and creation of a new account number for my original loan, my XXXX credit report shows two active loans from MOHELA for {$130000.00} AND {$130000.00}. 

This doubles my loan on my credit report and will likely affect my debt/credit ratio. MOHELA has not been helpful in rectifying this and I have also filed a dispute with XXXX. 

The accounts are : MOHELA/DEPT OF ED : XXXX MOHELA/DEPT OF ED : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ally bank {$500.00} promotion is not fulfilled by the bank. 

This is chat with Ally bank rep, XX/XX/XXXX : Info : You are now connected to XXXX. 
XXXX, XX/XX/XXXX XXXX : Hello, this is XXXX from North Carolina with Ally Customer Care. Thank you for chatting with me today. How can I help you? 
XXXX, XX/XX/XXXX You : My q. is about the bonus I supposed to get in XX/XX/XXXX. 
XXXX, XX/XX/XXXX XXXX : I am bringing up your information now to get this looked into. 
XXXX, XX/XX/XXXX You : Thanks XXXX, XX/XX/XXXX XXXX : This is referring to the XXXX you put in account XXXX on XX/XX/XXXX correct? 
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : Did you receive the enrollment e-mail and submit it online? 
XXXX, XX/XX/XXXX You : Let me check my email for that XXXX, XX/XX/XXXX XXXX : Absolutely take your time. 
XXXX, XX/XX/XXXX XXXX : " You're one step closer to getting your cash bonus ''. Is this what you are asking? 
XXXX, XX/XX/XXXX XXXX : Correct where it tells you that you have enrolled now you need to fund the account. 
XXXX, XX/XX/XXXX XXXX : There should be another e-mail letting you know you enrolled. 
XXXX, XX/XX/XXXX XXXX : " Good news : You're enrolled in the cash bonus ''. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Great I see the XXXX you added before XX/XX/XXXX and you kept it in there till XX/XX/XXXX. I am going to make a case to get this sent to bank operations. 
XXXX, XX/XX/XXXX XXXX : You did use the e-mail on file correct XXXX? 
XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : The XXXX you funded it with did you transfer that from an external bank or from another Ally account? 
XXXX, XX/XX/XXXX You : From external bank XXXX, XX/XX/XXXX XXXX : Thank you for this information I am making a specialty case now. Could you please verify the best way to reach you by phone and mailing address just in case we reach out to you? 
XXXX, XX/XX/XXXX You : XXXX XXXX, XX/XX/XXXX You : Mailing address should be on file. 
XXXX, XX/XX/XXXX XXXX : this should only take me a few minutes to get this submitted and then I will have a case number for you. 
You : Thanks XXXX, XX/XX/XXXX XXXX : XXXX is the case number. 
XXXX, XX/XX/XXXX XXXX : This can take 7-10 business days to research and you will be reached out to with further information. 
XXXX, XX/XX/XXXX You : Can you send me an email with this info, please? 
XXXX, XX/XX/XXXX XXXX : I apologize I am not able to e-mail you directly but this has been added to your profile so even if you lose the number someone could bring up the information from the file. 
XXXX, XX/XX/XXXX You : Okay, thanks very much. Good night. 

As you can see I have case number from XX/XX/XXXX, XXXX is the case number. 
Nobody ever contacted me from Ally bank. 

I've called Ally bank many times to complain. 
At one call ( XX/XX/XXXX ) rep elevated my case ( whatever this means ) and I have another case number : XXXX  XXXX. 
Again, nobody ever contacted me. 

So, please help me to get my {$500.00} bonus. 

Thanks.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the XXXX XXXX XXXX XXXX. Please correct and remove the inquire off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a charge off that is 9 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not listing two accounts for which I'm an authorized signer. 

XXXX. XXXX  account XXXX XXXX. XXXX account XXXX
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm having a issue with getting TransUnion supplying a credit file/report/score or with a correct/accurate credit file/report/score. I have contacted you by calling, disputing, chatting online, and have not gotten my issue resolved.. Im asking/demanding TransUnion to take a look at my credit file and make sure to verify that all information is correct and accurate with my information and to fix the problem preventing TransUnion from being able to supply a credit report/file for me or anyone seeking a consumer report about me from TranUnion.

This has been a issue for a LONG TIME long enough that it has caused me substantial head aches and problems with recieving fair treatment from companies/service providers that use TransUnion in order to offer me services. Most important of all, all the time i have lost trying to get the issue remedied ... .Thank You for any and all help into this matter!!!! 
P.S. i recieved a credit report that i requested and that report did not belong to me had another persons name and info on it.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

I was a victim of a XXXX XXXX XXXX XXXX scam on XX/XX/XXXX. I was convinced by an imposter, posing as a Citibank fraud investigator to XXXX {$2500.00}, in 4 amounts, to a Citibank investigation number, which turned out to be a phone number in the XXXX. 

Citibank has declined to reimburse me, despite being a 27 year loyal customer AND all the changes in XXXX policies that were instituted in XXXX. These changes were in response to a congressional oversight investigation, led by Senator XXXX XXXX. 

XXXX XXXX has been after the 7 large banks that own XXXX to reimburse their customers of imposter fraud, and in a report from XX/XX/XXXX accused the banks of breaking their promises to their customers and potentially violating federal law by not refunding victims of rampant fraud and theft on XXXX. 

I have reported the fraud to Citibank, and am on my second appeal, after 2 denials for reimbursement. 

Further, as I am XXXX XXXX XXXX XXXX, this is now considered XXXX abuse/fraud. 

I hope and pray the CFPB can assist me in being reimbursed. This is causing my family considerable financial hardship. I am feeling first violated by the imposter and secondly violated by Citibanks refusal to help me.
Product: Credit card

Order date : XX/XX/year> Order total : US {$86.00} Order number:XXXX 
Reported I didnt receive the item : Request XXXX on Sent : XXXX XXXX XXXX XXXX the seller sent the package to my address. tracking information states item was delivered in or at the mailbox at XXXXXXXX XXXX on XX/XX/year> in XXXX, OH XXXX. 
Per USPS the package was sent to ( see attached ). These are the emails from USPS as to where the package was delivered and there weren't any packages delivered to my address on the day it states delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially. 

I have requested information from this company, I keep being given minimal information to verify this debt. I have requested in detail several items to prove verification and the company in XXXX claimed to recall the debt. Now in XXXX, I am having to file yet another complaint against them for failure to provide adequate documentation about the collection of this debt. Having been a victim of identity theft twice I am not going to go on goodwill without valid proof. They have failed to provide it for the last 6 months I have sent 3 letters to the company requesting it. I only received a partial bill with no other information attached to tie me to the debt.
Product: Debt collection

They contacted me and identified the debt amounting to {$140.00} and I never received information to verify and validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAVE BEEN STOLEN AND SOME FRAUDELANT ACTIVITY IS COMIN ON APLICATIONS TO MY CREDIT REPORT N INQUARIES THTA HAS BEEN MADE WITHOUT MY AUTORIZATIO XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG INFORMATION
Product: Debt collection

I am unaware of theses inquiries. I am trying to buy a house and this is defaming mu character. pre 15 USC 1681
Product: Debt collection

Transform Credit INC is saying I have an account with them. I have not signed up for service with this company. I reached out to them an all I got was an automated message.
Product: Checking or savings account

Marcus at Goldman Sachs arbitrarily closed my savings account. They are allowed to do this but it would, have been nice to be given a reason. However, my balance of over {$26000.00} should have been sent back to me immediately. It now more than five weeks since the account was closed and I still have not received the cash despite three calls to their customer service.
Product: Debt collection

I have been trying to dispute this company off my credit report for years. Account was opened after my identification was stolen in 2019 this debit came about months after.
Product: Credit card or prepaid card

I purchased items from their website. The items werent as described and then they double charged me. I returned everything. They are saying they never received the items and now they said my account is significantly passed due. I never got a bill and they wont credit the account and the bank that has the card account wont help me
Product: Mortgage

My mortgage trans go over to a new servicer and tripled in payment. It went from a little over {$1100.00} to XXXX. I called Mr. Copper, the new mortgager servicer and they advised my escrow went up significantly and I should call the county tax accessor. 
I called XXXX XXXX tax office in XXXX Va and was told that I did not have an outstanding tax bill. The next tax bill due would be in XXXX. 
I can not afford this bills increase and still live. 
I relayed the message to Mr. Coopers rep XXXX XXXX and proved the documentation provided by the county office.
Product: Mortgage

I have had this HELOC for many years. I have NEVER been late. My payments are set up in my billpay service as automatic payments. On XXXX XXXX, when I returned to my home after evacuating from Hurricane Irma, there was a letter in my mailbox informing me that they have a obligation under federal law to inform me that they reported me late to the credit bureau 's. I was shocked, not knowing why? The next envelope I opened indicated I had a balance due of {$4.00} and it was late. This was the FIRST notification that anything was wrong.