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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Maryland XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute Regarding Incomplete and Incorrect Reporting of XXXX Account Dear TransUnion, I am writing to dispute the reporting of an XXXX account on my credit report. The account, opened on XX/XX/XXXX, is marked as a charge-off and shows a balance of {$1600.00}. However, the payment history provided is incomplete and inaccurate. Specifically, it fails to accurately represent my payment history for multiple years, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The violations are as follows : 1. Section 609 ( a ) ( 1 ) The information reported is incomplete and lacks sufficient detail about the payment history.

2. Section 611 ( a ) ( 1 ) ( A ) Information provided on a consumer report must be accurate and fully verified, which has not occurred in this case.

Because the payment history is incomplete and inaccurate, this account negatively impacts my credit profile unfairly. I request that TransUnion investigate this account immediately and, if the errors can not be resolved, remove the account entirely from my credit report.

To assist in your investigation, I have enclosed : 1. A copy of my credit report with the XXXX account highlighted. 
2. Supporting documents to show inconsistencies in the reporting.

Please provide a written explanation of the results of your investigation and any actions taken to resolve this matter. You can reach me by mail at the address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

Experian refuses to update my credit record, specifically as it refers to previous delinquincies that were unknown to me, whether it is refusing to update when either myself or the collection agencies have provided updated information. This has a profound effect on my position to purchase and denies me any type of due process or resolution. I have submitted documentation in writing, with delivery confirmation, as well as five ( 5 ) attempts to update this information from the collection company. Experian has not updated my report since XX/XX/2016, more an 150 DAYS have elapsed and their inability or refusal to honor my request or the transmission of debt resolution from the collection agency compounds the harm I am experiencing. They MUST be held accountable and if they can not report acurately, reguarly, or fairly then they should NOT be allowed to reprt at all.
Product: Vehicle loan or lease

The repossession took place in XXXX. I had a XXXX XXXX XXXX. I purchased the vehicle in XXXX. The car ran, but had several issues whereas I had to take back and forth for major repairs to the dealership until XXXX. I reported these issues to Credit Acceptance. It would backfire, the odometer would reset on its own, I XXXX XXXX XXXXXXXX it uphill hardly, and the alarm would go off while actively driving. It wouldn't start up efficiently in cold weather after all necessary precautions were taken. Toward the end of my ownership of the vehicle, the car would not maintain an oil change. The mechanic couldn't fill the XXXX XXXX due to XXXX XXXX from the entry point. He stated that it was too much pressure built up. 
Upon research, a lot of these problems were affiliated with cars of the same make and model and other models, but of a different year. My car year wasn't included in any recall notices, I thought. 
The constant repairs from tune-ups and other maintenance decreased my ability to pay. I began to become delinquent on my bills and it created a downward spiral on other bills and decisions, as well as I needed a car to go to work and take my daughter to school among other things. I made payment arrangements for the vehicle to catch up on the bill. 
The automobile lender, Credit Acceptance sent a XXXX XXXXXXXX to my place of employment to repossess my car. The recovery person hitched my vehicle and I complained and told him to stop. I explained that I had a payment arrangement that would cease the repossession. I called the company and confirmed. The recovery person told me to tell the agent, that he already had it hitched. When I advised this information, the agent stated that it wasn't anything that could be done. After repossession, I didn't receive any notices certified or regular mail stating any information regarding the car. The only information I received was approximately XXXX regarding the total amount that I owed. I tried to contact them via letter and ask for a settlement previously, however, correspondence was ignored. The vehicle was assigned a creditor, XXXX and XXXX in the amount of {$7300.00}. In late XXXX, I relocated to XXXX and I didn't hear any more information regarding the determination. I later found out that they issued a XXXX XXXX against me. I received a letter of garnishment in XXXX at my former place of employment and Credit Acceptance escalated the amount to over {$20000.00}. The car wasn't worth {$1000.00}. They refused to hear my argument regarding the breach of contract from the beginning of the sale regarding the XXXX, the recall, and the XXXX issues. I believe that I still have a lien on my name for this fraudulent car.
Product: Debt collection

I have not received any correspondence to my address or phone calls. 

I spoke on XX/XX/XXXX with a Representative. They sent me a letter on XXXX the first notice, and They sent the letter to the wrong address. After someone who wasn't me called. They mention that they had left many voicemails but based on the Collection Act, once they leave one voicemail, they can not contact me ; I am not sure if that's how it works. They sent me only one communication for the file reported in XXXX, and that has been the only attempt, but they keep reporting me to the XXXX. 
I am disputing the account numbers below. 

XXXX XXXX XXXX I am requesting validation made according to the Fair Debt Collection The Practices Act, the Fair Credit Reporting Act, and local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) in regards to a letter dated XX/XX/XXXX advising that I had 30 days from date of the letter to take advantage of a {$390.00} but sold the account to XXXX XXXX XXXX on XX/XX/XXXX. when I called to pay the account I was told " it was sold and the could not honor the offer '' I asked why would a settlement offer be extended, consumer calls to accept within the terms of the offer ( 30 days would be XX/XX/XXXX ) but not accept. I believe this letter was sent erroneously since XXXX XXXX didn't agree to the terms of this letter. I feel that this account could've been recalled from XXXX and handled internally with XXXX as I called within the allotted time of the offer letter. It is also my believe that XXXX is doing this to THOUSANDS of consumers which cause another derogatory trade line on consumers credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with an escrow that pays city taxes, property insurance, and private mortgage insurance. 

I received a cancellation notice from my home insurance company on XX/XX/year>, notifying me that I would lose insurance on XX/XX/year>. I notified my insurance company regarding this issue on XX/XX/year> via their website that I use to make payments, and provided them a form. They notified me on XX/XX/year> that they would contact me again with 7 business days with resolution.

After not hearing from the mortgage company after 7 business days, I notified them via email on XX/XX/year>, requesting a status update. 

On XX/XX/XXXX, I received a notice from the mortgage company saying they have forwarded this ticket to their XXXX Department for further review. 

After not hearing from them further and seeing that my insurance had still not been paid, I scrambled to make the total insurance payment on the morning of XX/XX/XXXX ( the last possible business day before cancellation on XX/XX/XXXX ) so that my home would not be uninsured. 

To this date, I have not been contacted by my mortgage company regarding the status of this issue, nor have I been reimbursed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - Date of inquiry : XXXXXX/XX/year>
Product: Vehicle loan or lease

on XX/XX/XXXX, my truck was involved in a accident which totaled the truck out. 
XXXX my insurance company paid Wells Fargo XXXX and of a XXXX balance prior to the accident. I understood I needed to pay the balance and was told by the rep that I could refinance the remaining balance once the insurance company has completed the claim. 

So In XXXX I started paying on the remaining balance but not the original loan amount. I called Wells Fargo to make sure I could still refinance the balance. They informed me they changed the refinance rule and I had to pay the remaining balance in full. I explained to them that I couldn't pay the full balance and I could pay XXXX every two week. $ 200 month until the balance is paid. Wells Fargo refused my offer and stated I had to pay in full. Wells Fargo also set my account where I had to pay the balance in full. 
I continued to make payments until this action was placed on my account. Wells Fargo continue to call and harass me everyday to pay this balance in full and I tell them what I can pay, they continue to refuse. The original loan is not set to mature until XXXX. Wells Fargo did not give any credit months for the {$12000.00}, that was paid on the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year and a half I can access my credit report or apply for any type of financial services thats use transition because my Credit report is not accessible. Ive spoken to transunion there able to view my report but not me as a consumer Ive spoke with maintenance team as well as fraud customer service and they still have not fixed the issue there are different birthdays and socials that are not mine attached to my name and the issue is not being fixed or changed they are not following the guidelines of my rights as a consumer or under fair credit act I can not access my identity under this reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Experian. In trying to contact Experian their automated answering system malfunctions not allowing you to input any information and will not allow you to contact any real person. This with using a variety of cell phones and ' '' customer service '' numbers they list. The numbers all seem to transfer to the same malfunctioning system. But, they will send you an unsolicited survey and I requested a call back and did not happen. This has occurred five times since XX/XX/2018 not including today ( six total ). You can't even email them with issues. 
The government had their foot on their neck a little over a year in the XXXX  hack and failed to fix and follow up. Typical of Big Business and Government kissing back sides. 
These three, Experian XXXX  and XXXX XXXX, control every person in the USA 's finical life but is not held responsible. This is legalized racketeering.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The persoanl information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

This company National Credit Adjusters purchased a debt illegally without my consent or knowledge. They violated my consumer rights by purchasing this debt and obtaining my personal information. According to 15 U.S Code ss 1692g they did not validate this debt and was suppose to be done within 10 to 15 days and it was not done.
Product: Debt collection

Around XXXX of 2009 I had cancelled service with XXXX wireless ( cell phone service ) by contacting their corporate office via phone and was told that the service would be turned off and not be charged a cancellation fee. I do n't know why but I never received anything by mail or telephone call to inform me that XXXX was trying to collect an unpaid bill for the month of service before cancellation. Due to none payment Version sold my debt and I was contacted years later by Midland credit management. After speaking with them multiple times and trying to fix the issue, also speaking with XXXX, who does n't have any available information to give me, I have noticed that the date the collection was opened has changed a few times. I 'm concerned that there might be an illegal and/or unethical practice going on. Not only has the date changed but the price of the debt is significantly higher than should be. I have no other option than to submit a complaint. If nothing can be done from a complaint then next course of action would be contacting an attorney to investigate the matter in more detail for legal actions.
Product: Mortgage

Shellpoint is my mortgage servicer. I can't get an answer as to who my primary contact/XXXX  will be going forward. 

I have been working with my assigned XXXX, XXXX XXXX, on bringing my account current. I have also been in correspondence with his supervisor, XXXX XXXX. 

Now I am receiving emails -- sometimes multiples in a day -- from people whose names I do not know. These emails do not contain introductions or how they are related to the servicing or processing of my loan. These new individuals include : XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST We also haven't received any responses back from XXXX XXXX or XXXX XXXX, our assigned XXXX and his supervisor. The last email we received from XXXX was on XX/XX/XXXX. 

Note that XXXX and XXXX 's emails were sent an hour apart on XXXX, XX/XX/XXXX. They did not introduce how they are related to our account. Both claim to be servicing our account. Both asked for the same information. This is really suspicious as I don't know if they are legitimate representatives. If they are, why are there XXXX of them asking for the same information? 

Please note that representative XXXX XXXX, after we responded, had an out-of-office notice on her email. Her out-of-office notice says she is unavailable until XX/XX/XXXX. Her notice is confusing as it suggests she only works there occasionally if her message is set to XX/XX/XXXX and she hasn't changed it since. She has not responded since we received her out of office reply. 

Given rampant identity theft, I want to verify who is responsible for my account going forward. This is also in addition to the fact that I do not want to keep restating information that was given to one rep. I do not want information to be lost in the servicing of my loan. 

I have emailed all of these individuals, individually, and in cc asking who will be our primary contact going forward. No one has responded and taken responsibility as the primary contact. 

Attached are email correspondence from these different individuals. 

Part of our requirements for loan modification from Shellpoint is that we maintain biweekly contact with our XXXX. It seems that Shellpoint is incredibly disorganized in the handling of our loan, and the service representatives are not working in coordination with XXXX another. 

How can we maintain contact if we don't know who is the actual service representative?
Product: Bank account or service

Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.
Product: Debt collection

I paid {$2600.00} to Security Credit Services , LLC for a XXXX lease that was later ruled unlawful by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year>. The CFPB determined that XXXX engaged in deceptive leasing practices, declared all existing XXXX leases void, and prohibited any further collection on these accounts. 

Despite this, Security Credit Services collected money from me for a debt that was legally void, and I later received a partial refund from the CFPB. However, Security Credit Services has refused to return the remaining {$2500.00} that I paid, claiming I must resolve the issue with XXXX XXXX XXXX, the firm that processed my payment on their behalf. 

I have contacted Security Credit Services directly and requested a refund, but they denied my request and directed me elsewhere. Since this debt was never legally owed, they had no right to collect or retain my money. 

I am requesting that Security Credit Services fully refund the remaining {$2500.00} that I paid toward an invalid and unlawful debt.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts and Inquiries Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach and request the blocking and deletion of all accounts and inquiries related to this breach pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is the detailed information of the affected accounts and inquiries : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My husband and I were looking for a house to rent and found one on a listing agency website. We went to the house, spoke with the lister in the phone and they gave us the code to go into the house. They told us to pay the first months rent using Zelle and we could move in same day. We paid them through Zelle and started moving our things later that day. We called the listing company on a sign on the house for more information and they told us we were scammed, that the house was more and there was no information of us paying them anything. We paid them {$1300.00} through Zelle. We called our bank and Zelle and told them everything, showed our proof. We were told nothing could come of it and we lost our money.
Product: Debt collection

Per companys response the original company charged off the debt in which means they tood a tax credit in which they should have sent me a 1099-C in order so I can claim as income for tax proposes. LVNV Funding LLC states in their letter they aquired the account XX/XX/XXXXXX/XX/XXXX with Resurgent Capital Services L.P as the servicer of the account. The account originated XX/XX/XXXX with XXXX XX/XX/XXXX. The account charged off with a balance of {$2300.00}. If the account was charged off on XX/XX/XXXXXX/XX/XXXX wth the original owner and a tax credit received and than sold to curent owner for the same amount. Than this would be a federal law violation. I request the LVNV Funding LLC provide me current statement show the amounts XXXXXX/XX/XXXXor Resurgent actually paid for this account in order for the correct balanced owned is reported on my credit repport. Failure to report the correct balance on one credit report is fraud and will need to be deleted from all reporting agencies. I also still request a 1099-C for tax purposes for this charge off account. Faliure to provide any of this information will result with me failing a Class Action Law Suite .
Product: Debt collection

This account is inaccurate because I do not recognize this debt. As per the Fair Debt Collection Practices Act, I would like you to look into this matter and help me resolve this dispute. 
Thank you for your attention to this matter, I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter was written to XXXX credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.
Product: Credit reporting or other personal consumer reports

Several late payments are incorrectly listed on my credit report, which doesnt align with my payment history. Kindly correct these errors and update my account