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

I am writing to file a complaint against TransUnion and XXXX XXXX ( Account Number : XXXX ) and request IMMEDIATE ESCALATION of this investigation for violating the Fair Debt Collection Practices Act ( FDCPA ) and failing to provide necessary documentation to verify a debt. 

Despite my repeated disputes and requests for verification, TransUnion continues to respond that the debt is " verified as accurate '' without providing the required documentation. Under the FDCPA, debt collectors are required to provide : XXXX. Proof of the debt, including the original creditor 's information, the amount owed, and any interest or fees. 

XXXX. A copy of the chain of assignment, showing how the debt was transferred from the original creditor to XXXX XXXX 

XXXX. Proof of ownership, demonstrating your company 's legal right to collect this debt XXXX. A copy of the original contract or agreement between me and the original creditor. 

XXXX. A detailed account history, including payments, credits, and any adjustments. 

XXXX. An explanation of any interest and fees added to the debt, including calculations and applicable laws. 

XXXX. Verification that the debt is still within the statute of limitations for collection. 

XXXX. Any documentation from the original creditor, such as statements or invoices. 

XXXX. Proof of XXXX XXXX company 's license to collect debts in my state. 

I dispute the validity of the debt reported by XXXX XXXX on my TransUnion credit report. Not only has TransUnion failed to provide verification documents and payment history, but the lack of payment history also raises significant questions about the debt 's validity. Without payment history, it is unclear how XXXX XXXX can verify the debt or demonstrate that it is a legitimate and enforceable obligation. 

I have requested these documents multiple times, but TransUnion has failed to provide them. This lack of transparency and refusal to verify the debt has caused me significant stress and financial hardship. I request that the CFPB investigate this matter and take appropriate action against TransUnion and XXXX XXXX for their violations of the FDCPA. I also request that they be required to provide the necessary documentation to verify the debt or remove the account from my credit report. 

Attached to this complaint is verification of identification, Proof of TransUnion verifying XXXX XXXX debt without sending documented proof as demanded and obligated before verifying this debt as accurate, Thank you for your attention to this matter.
Product: Student loan

I contacted Student Loan Movement for them to be my advocate in communicating with XXXX XXXX XXXX for a possible repayment plan during the wake of COVID-19. I received an email from them stating they would garnish my wages due to me not agreeing to keep my payment agreement. After talking with XXXX XXXX explained that I was laid off from work, waiting for unemployment, waiting for the COVID-19 stimulus and my tax return. He stated that if I did not give the Student Loan Movement {$90.00} by the XXXX of XXXX that my wages would be garnished. They called from phone numbers that said " scam likely '' as he confirmed, so I never answered the calls. After researching the CARES ACT and IRS website it was revealed that the Student Loan Movement did not have the power to collect money from me due to them only being an advocate. They are not a bill collector, and I did not borrow money from them. Due to the climate of financial conditions I strongly feel this was a fraudulent call and I am concerned about my well being and the well being of other who may be getting the same phone calls and emails threatening to take money from consumers.
Product: Debt collection

I received a packet from someone one day that stated Midland Credit was attempting to sue me in regards to a past due credit card of an inaccurate balance of {$1900.00}. I followed the guided prompt and mailed it back to the address provided and did not hear anything since then. I received a letter in the mail on XX/XX/year> in regards to a legal case that was dated for XX/XX/year> in which I am assuming that I missed any options for a court date to dispute this matter.

There has been no communication other than the documents attached. At no point was I provided documentation to settle out the debt or to set up a payment plan.

***Not all documents could be attached because they were to big of files.
Product: Debt collection

I have received several calls from Alliance One Collection Agency regarding a debt that is not mine. They have told me the name of the person they are trying to reach. I have told them that I do n't know that person. They assure me each time that I will not be contacted again. However, they continue to call me.
Product: Debt collection

I never had a credit card with the company, i shouldnt owe anything. I never received any information about the debt or how to go about it or who to contact for help.
Product: Mortgage

wells chg me XXXX on XXXX/XXXX/15 there is supposed to be no chg as this is a short sale. 

Weells is supposed to pay all atty cost, XXXX XXXX and to me XXXX in moving cost. 

They have yet to get a closing date on this pty.
Product: Student loan

I have tried twice 4 times to get the errors on my account removed. I have been in school since XX/XX/XXXX and I am graduating in XX/XX/XXXX. My loans were recently transferred over to Navient for the continuation of payment. I have called customer service 2 times. The first time the navient customer service agent told me to ignore the bills I was receiving because they were inaccurate and not all of my loan information had transferred over including my deferement and forebarance status. My loans state that I am to start loan repayment after I graduate. The first bill I received was for {$34.00} dollars. I was told by Naveint to ignore this bill. So I did. A month later ( 2 weeks ago ) I received another bill that had doubled in amount due to " late fees '' from not paying the first bill. So I called Navient 's horrible customer service line again and the agent told me that the other agent was wrong, my loans did transfer and i will continue to accumulate late fees if I do not pay. I told her that the terms of my loan state that I am not to start repayment until after graduation. She told me that the terms of my past loans have changed. They have not they have been the same since I started college. So I asked the agent if it was correct that even though my loans state that I am not to repay until after graduation, Navient is telling me I have to and that they changed the terms of past loans I did not agree to change. She said that was correct. So I hung up and emailed the Navient customer complaint line 2 times In the past two weeks. I have not heard back about my account, the errors on the account or that they are even willing to contact me. They have been completely unresponsive to my emails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights 15 USC 1681 s. 602, 15 USC 1681 s. 604A ( 2 ), and 15 USC 1666B I have the right to privacy, a consumer reporting agency can not furnish account without my written instructions, a creditor may not treat a payment on a credit card account under an open-end consumer credit i plans as late for any purpose.
Product: Checking or savings account

To whom it may concern, A few years ago, my father passed away unexpectedly. I managed his finances and medical bills and received his deposit income. Following this devastating loss, my mother, XXXX XXXX, began receiving his monthly Social Security benefits. I subsequently opened a checking account with Citi Bank to manage my deposits. However, Citi Bank has improperly held both my mothers and my funds, only returning a partial amount. Here are the issues I am facing : - Citi Bank failed to provide any information regarding why my account was under investigation for an extended period of 60 to 90 days. - My mother was not on the account. They were treated as a thief because she was not on the account ( which I concluded after various calls back and forth with Citibank and its affiliates overseas ).- They have not disclosed any information about the remaining funds, despite sending me two checks. While Citi Bank initially released some funds to me without hesitation, they later demanded my mothers authorization to release the remaining amount, which I estimate to be approximately {$2500.00}, excluding interest and the emotional distress their actions have caused. I demand prompt resolution of this matter. I am prepared to negotiate a settlement due to the improper handling of my checking account, which I believe reflects a bias based on my religion and culture. I expect the remaining funds to be returned to me immediately, and they should be mailed to XXXX XXXX XXXX, XXXX, TN XXXX. I will also be sending a copy of all communication to the state attorneys who are investigating Citibank for violation federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$860.00} XX/XX/2018 XXXX XXXX  XXXX Balance : {$23000.00}
Product: Debt collection

I was owned three debts to these companies however I never even encountered with these companies before and now they demanding these significant amounts that I never opposed and I already tried to dispute those three debit collections and the results came back as accurate Which is not right because I had provided enough details so that the information that the collections are saying are incorrect.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian took a week to check my disputes that XXXX deleted and all they said was information was updated
Product: Debt collection

i got a message on XX/XX/24 from my job XXXX that a court order directed them to take 25 % of my income. i was never contacted by anyone previously. last year in XXXX i contacted the company to set up a payment plan but they refused demanding full payment. Now they say XXXX dollars however the original amount was only XXXX dollars. there is no documentation about this charges. I contacted my work and they said they could not give me copy of court order only the garnishee could. i contacted the garnisher 3 times on XX/XX/24 and they refused to give me any information about the court or court order. they refused to set up a payment plan. they did not do anything but put me on hold.
Product: Credit card

I recently filed a CFPB complaint against Transcardgift which was closed without my consent. Transcardgift sent a card meant for me to an address I do not reside without my permission. Transcard gift is giving away my money/funds I am entitled to without my consent. Transcardgift must call that package/mail back and only send me physical mail at my address which is in XXXX XXXX XXXXXXXX during this calendar year ( 2023 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid my Chase credit card balance, as reflected in the attached account statement and screenshot of the transaction. However, Chase reported an incorrect balance before the end of the billing period because XX/XX/year>, was a non-business day. This unfairly impacted my credit history by showing a balance that was already paid. Please review the attached documents to verify the payment and correct the reporting.
Product: Checking or savings account

On XXXX Simmons Bank posted someone else 's check to our account and withdrew {$670.00}. We contacted them 3 times and asked that they show up that the money was redeposited back into our account. They said it was taken care of and there was no audit trail that would confirm that the money was redeposited back into out account. They said they just wiped out the check and all was okay. How can a financial bank manipulate my account and have no audit trail? I do not know if they added the {$670.00} back into my account or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.
Product: Mortgage

I went through XXXX  Amerifirst financial mortgage with a lender XXXX XXXX. I decided to go to another lender. He called my cousin who is a real esate agent to tell him I went elsewhere and gave him the info of who I went went with. This is unethnical and my information should of not been told to anyone. This also has caused a huge rift in my family by his actions. 

I then reached out to the company XXXX financial mortgage based out of Arizona and am no longer receiving calls back from this man named XXXX at XXXX that is in the complaint department. 
I am not being heard and its against the law to give out information on a client.
Product: Mortgage

My mortgage was passed on to Selene Finance at the start of XXXX. I was experiencing financial difficulty due to a medical issue my child had to endure. I applied for a modification, which I was granted but was unable to make the payments on. As a result, I took a withdrawal from my 401K to pay the entire amount owed in XX/XX/XXXX. From that moment on, XXXX has never marked my account current. As of this date they have reported me as being 90 days past due on my mortgage which is not the case. On their website as of today ( XX/XX/XXXX ) they have posted that I am 37 days late. Every mortgage payment includes something called " advanced fees ''. Although I send my mortgage payment out on the first of the month, XXXX shockingly never receives my payment until it is past due even though it is mailed to a location that is only one hour away from where I live. I have attempted to make payments on line but was only allowed to do this once according to their website. In addition, they continue to miss paying my property taxes on time. They are ruining my credit and I really need help. This company is the absolute worst.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

I relocated from XXXX  to XXXX, and while moving, I was using my card ( ending in XXXX ) and making charges. The card was lost or stolen at some point because I could no longer locate it. I called Chase and explained what happened. They said they would close the card and issue me a new one. The new card ( ending in XXXX ) was finally received. 

When reconciling my bank account online, I noticed charges to the new card. These charges concerned me because I had never ( and still have not ) activated the new card. I called Chase to inform them that these charges were fraud because [ again ] the card had not been activated or used to make any purchases. Chase continued to ask me about charges to the 'previously lost or stolen card ' and I kept telling them I was calling about unauthorized charges on the new card. I received my credit card statement and saw the charges were still there, so I wrote that the charges were fraudulent and mailed the statement back to Chase ( at the address on the card statement ) disputing the charges. I am still waiting to hear from Chase regarding the dispute ( fraudulent charges ). 

XXXX, XX/XX/2022, I went to balance my account ( via mobile services ) and noticed that Chase authorized additional charges to the new card. XXXX, XX/XX/2022, I called Chase to speak to them about this, and the customer service agent ( XXXX XXXX told me that they had linked the lost or stolen card to the new card, and the charges were 'subscriptions. ' So, I understood the agent to say that Chase will close a lost or stolen card and issue a new card but link the new card to the lost or stolen card. I asked the agent if my understanding was correct, and she said yes. The agent said that because they are subscriptions, they are authorized subscriptions. I attempted to explain that I would not be held responsible for charges I did not make. The agent interrupted me and said she 'never said I was responsible ' I ended the call in anger and frustration.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits.This issues aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed
Product: Credit reporting or other personal consumer reports

The following information reporting on my profile is a part of an ongoing criminal investigation. I have submitted a copy of my police report, I urge you to verify this with the FTC, and also the proper authorities. 

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  FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not properly investigating my disputes. These companies XXXX and Security credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
Product: Credit card or prepaid card

My bank of America credit card advertised a balance transfer rate of XXXX percent. I use the card for every day purchases as well. There was a clause that said purchases made would accrue interest unless balance was paid off at the end of each month. I called them to ask if this meant the whole balance or just the purchase balance and they told me just the purchases. XXXX XXXX XXXX, I noticed I was accruing interest, I called, they reversed and told me I was given the incorrect information. They also told me because of that they would refund interest going forward but I would have to call in. So a few months after I called in to have the charges reversed again and they refused saying the person hadn't noted it on my account ( even though they said they did ). Even speaking with a supervisor they refused and got belligerent about it. I asked for further review and they said there was nothing more other than filing a " bank complaint '' which they never responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX CARD with no successful resolution. XXXX XXXX and XXXX only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.