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

I have been disputing an account that is unlawfully on my consumer report with XXXX, Equifax and XXXX. 

They have refuse to even acknowledge the issue with my request and continue to send me cookie cutter dispute responses that doesn't address the issue. 

The request was for a Child Support account to be removed as the name does not match my legal name ( My legal name is XXXX XXXX XXXX and they are reporting it on my account as XXXX XXXX XXXX ) and the account should be removed due to it not meeting FCRA requirements. 

I also disputed this with the child support agency ( XXXX XXXX XXXX XXXX XXXX ) and they have now closed this account due to their error yet the it still appears on my report. 

I am demanding this account be removed as it is inaccurate and effecting my creditworthiness and not allowing me to obtain much needed business credit to improve my families situation. 

Attached is a letter from them proving that this account is now closed and it clearly still shows my legal name being in error which is an FCRA violation and should be removed from report for good. 

I am ready to take legal action if the request remedy does not take place as this is a direction violation of my rights. 


XXXX Co Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit card I keep getting denied credit due they don't have any information correct identity my personal information why is these companies having my personal information incorrect or reporting me deceased illegally to deny me credit I need a full disclosure report Data back XXXX until XXXX I am not deceased I need to know who reported me deceased to uptain credit or using my name to apply for credit I have to right to know who reported me deceased
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a formal complaint against Transunion. Since XXXX XXXX I have submitted written disputes for the following account XXXX XXXX XXXX Account # XXXX. In XXXX XXXX I mailed a dispute and called and spoke to a Customer Representative and asked him the gentleman what the status or the outcome of my dispute. He told me that Transunion never received my dispute or my documentation. I told him that I had received the green return receipt card with a stamped signature dated XXXX XXXX. The guy lied to my face because I told him I was looking at the card with the date and signature. I became furious because I had been lied to. I asked to speak to a native XXXX speaker because I felt there was a language barrier and a cultural barrier. I was then transferred to XXXX XXXX. She told me the same thing, that Transunion did not have any record of receiving my dispute. I told her that I had return receipt green card. She said that she would be able to take my dispute again and I told her that I would fax the information over. 

Now fast forward to XXXX XXXX. On XXXX XXXX, XXXX I mailed a new dispute to question the validity of XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX. On XXXX XXXX, XXXX I received a letter from Transunion asking me to confirm my address by sending in proof of address in the form of utility bill or pay stub etc. 

I find Transunion request to be incredulous because I have mailed in proof of address and identity months before and I strongly feel that Transunion is using stalling tactics and denying my rights under FCRA by " loosing or misplacing my requests or documents '' I have been lied to on more than one occasion. 

With the latest hacking breach that was suffered by XXXX I question the security and strength of all the credit bureaus to include Transunion. I do not have faith or confidence in companies like Transunion when they routinely lie, circumvent XXXX laws. 

Here is my information : XXXX XXXX XXXX XXXX Transunion File Number XXXX
Product: Debt collection

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$21000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Vehicle loan or lease

I was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states that I have a right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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.
Product: Mortgage

I already paid freedom mortgage the escrow shortage, mail a check for XXXX, company cashed checked and applied to escrow but refuse to run another escrow reanalysis, already called in and requested it and issue has never been resolve. Company wants me to pay a mortgage payment with the full escrow shortage on it, not a payment with the escrow shortage payment applied and escrow reanalysis done.
Product: Checking or savings account

On XX/XX/2022 my wife 's XXXX  debit card was used fraulently out of our XXXX XXXX account we were given XXXX new debit cards from that time till XX/XX/XXXX XXXX each time we got a new card it was used 24 to 48 hours before we received and activated it there were fraudulent charges made by a person on each and every card we got we opened two new checking accounts and still funds eod come up missing the worst was a loan that was deposited in the account on XX/XX/XXXX and we verified it by contacting Wells Fargo on that date they said it would be returned because it was sent to a closed account we said no it will not be ause any deposit was to roll over automatically by a letter we received from Wells Fargo stating that fact and verified we said no leave the money alone in the amount of XXXX dollars now they said it would be credited to our account the following business day which was a Saturday upon checking on Saturday it was no where to be found we have security code number verifying that was sent at XXXXXXXX XXXX on the XXXX of XXXX they said they did not get it I knoemw that to be false because I was on the phone with the lender one loan place of California and we verified it with Wells Fargo immediately afterwards now they returned the money to the lender despite their letter stating to the contrary then the proceeded to freeze our account and I filed over ten escalated complaints and the financial hardship they were causing us it stayed that way Until XX/XX/2022 now that is well beyond the 10 business days allowed then I had a purchase from XXXX for my wife XXXX and even though I went through each and ever charge and debit on the account and approving that one for {$8.00} for a one of a kind XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which could never be purchased again it was a stock close out item that I could not replace for less then XXXX dollars in the states they made XXXX return the purchase money which negated the purchase there are many times I got into arguments with them telling them to go after the person using our account but nothing happened other than fraud on our account so I got fed up with the abuse Wells Fargo was putting on us and all the wrong transactions and fraudulent transaction I told them not to close out account and go unfreeze it to no avail they only looked into what they wanted and even laughed at us and refused to give us a complaint number on one occasion it continued to were we could not pay our bills because the account was frozen so we were in a real financial hardship but they refused to acknowledge it I have XXXX XXXX go to another banking company with not one problem they were negligent in causing us to drop from a XXXX XXXX score to a XXXX by freezing out account for a unlawful period and not allowing us access to funds to pay our bills and credit cards and it just caused a cascade effect where on freeze if our account and claim of fraud by another that we were harmed financially and mentally for the rest of our lives
Product: Debt collection

According to a prior complaint submitted about Midland Credit Management through the CFBP, Midland responded telling me to reach out to them at ( XXXX ) XXXX ext. XXXX. I called and XXXX, a manager, refused to talk to me about my account. The company lied in their response to the prior credit and now they refuse to talk to me about my account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle was not only rejected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and is unacceptable and raises serious consumers about consumer safety.
Product: Checking or savings account

On XX/XX/XXXXmy wife and visited a Wells Fargo Branch in XXXX XXXX, FL and tried making a cash {$600.00} deposit at their outdoor atm machine. At first the machine appeared to be working normally but it rejected a single {$20.00} bill for some reason and then it suddenly shut down and the screen became dark. I checked the other machine adjacent to it and it had a out of order warning on the screen. To be sure I entered the branch and was told by one the banks rep that she was aware and that it was temporary system failure and it should be back on in ten minutes and that I had nothing to worry about. The following day I received an email message from XXXX indicating that they were aware of my transaction but it would take 2 business days to resolve. On XX/XX/XXXXat or about XXXX I received a phone call from a XXXX rep indicating that she was calling to knowledge the problem but that it would take up to ten days to be resolved. She also mentioned that she could not discuss any issues relating to the transaction and that she was just calling to knowledge my complaint.To date this {$580.00} deposit has not been credited to my account and I feel quite frustrated with what appears to be a simple fix.
Product: Mortgage

I know this is many years later, but as I was going through it I could not find resources for anyone to contact to helpme.

My home was foreclosed on and sold in an auction back in XXXX of XXXXPrior to this when I first started having trouble I contacted Wells Fargo and let them know I'm having medical issues and trouble making the mortgage payments. The person told me I needed to be 30 days late before they could do anything. Once I was 30 days late I contacted them and they said oh no you need to be 90 days late. When I was 90 days late I contacted them and they put me on a trial payment plan and after that trial period raised the amount that I was supposed to pay monthly to more than it was when I first contacted them which made no sense to me. Then I was going through the XXXX XXXX XXXX XXXX that came out back then to help people not lose their homes. I was working with XXXX and Wells Fargo knew I was going through the process trying to get approved for that program. After I finally got approved, the person from the program contacted me and said that Wells Fargo would not accept the modification. I was devastated. My health and XXXX got worse. When I asked why I was told the funder of the loan didn't want to accept it. Later on I decided to call the check to see if I can find out who the funder was and it was Wells Fargo. I just recently heard of something going on where they're going back to XXXX, I purchased my home in XXXX, because of a glitch in the system WF not doing all they could to help peoples as they shouldhave. Because of how the things worked out not only did my health get worse I've been struggling trying to repair my credit ever since the Foreclosure. I was misinformed during that time when someone told me to file for bankruptcy, and I did, so that's still on my credit. I've been trying to find a place to live I've been trying to find something I can afford but I can't. Wells Fargo I feel was completely wrong, deceptive, and ruined many years of my life. I am currently trying to get into a loan again since enough time has passed, but homes are so expensive now that i can't find anything worthwhile. just too much right now I just feel like Wells Fargo needs to be made to make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act.
Called TransUnion and representative hung phone up on me.
Product: Credit reporting or other personal consumer reports

Acct : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX Please add this statement to my credit report. 

We entered into the loss mitigation process with XXXX Mortgage in XX/XX/XXXX. They didn't complete it until XX/XX/XXXX. During this time we called every month to check the status and we were told not to make a payment until the process was complete or we'd have to start all over. Once the process was complete, we entered into a payment agreement in which we never missed a payment. Then, we sold the house in XX/XX/XXXX. Now they are reporting that we were 30 days late from XX/XX/XXXX through XX/XX/XXXX. This is not correct.
Product: Mortgage

I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!!
Product: Credit card or prepaid card

I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. 
I want my credit limit restored. 
Thank you. 
XXXX XXXX
Product: Debt collection

A female representative from Merchants and Medical Credit Corporation, called my job, without stating who she was, nor where she was calling from asking for me and when asked did she want to speak to me, she stated No! I knew she worked for XXXX XXXX XXXX and hung up the phone. I am a XXXX XXXX, therefore I work at several locations and this person choose a branch where she could speak to a co worker instead of our home office. Therefore, this co worker calls me at another job site asking why are these people calling around looking for me.
Product: Credit card or prepaid card

This is in response to claim # XXXX which was not adequately addressed. See attached amended letter from AMEX that I received in XXXX OF XXXX with revised terms. It states that transactions BEFORE XX/XX/XXXX : CURRENT APRs WILL CONTINUE TO APPLY TO THESE TRANSACTIONS and the new XXXX will apply to purchases and balance transfers made ON OR AFTER XX/XX/XXXX. My APR did not change until XX/XX/XXXX and is being applied RETROACTIVELY to XXXX!! Prime rates did not increase until XX/XX/XXXX!! 

PREDATORY!!
Product: Debt collection

I requested all documents about this collection XXXX failed to provide requested documents, Trans Union still refuses to remove this collection from my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( 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 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal credit line opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a charge account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number ( XXXX  ), an account opened at XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX account number ( XXXX ), and a secured loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I also attached a police report stating I am a victim of identity theft with all accounts listed.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$600.00} in order to file as ordinary income. Where is my 1099-C? XXXXXXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting 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 U.S.C 1681. 

XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX 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 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 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.