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

I am writing to dispute inaccurate information contained in my consumer report provided by your company. As a XXXX  my information is protected under laws that safeguard against breaches of personal information, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.01 et seq. 

I am requesting the following corrections : XXXX. The late payments reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> were the result of a natural disaster ( severe storm ) that caused the city of XXXX to be shut down. Per the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), creditors are prohibited from reporting negative information that is the result of circumstances beyond the consumer 's control. Additionally, these late payments are over 6 years old and exceed the 4-year reporting limit under the Texas Fair Credit Reporting Act, Tex. Bus. & Comm. Code 20.05 ( a ). I am requesting these late payments be removed from my credit report. 
2. The charge-off accounts reported, including XXXX XXXX XXXX XXXX, do not have the required Form 1099-C, Cancellation of Debt, documentation from the creditors as mandated by the Internal Revenue Code, 26 U.S.C. 6050P. Without this documentation, the FCRA prohibits these charge-offs from being reported on my credit file. I am requesting these charge-off accounts be removed.

3. My full legal name is not the hyphenated version that is currently reported. Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. The reporting of my name in an inaccurate format does not meet this standard, and I am requesting my name be updated to the proper legal name. No other variation is accepted. Please investigate this matter and provide a response within the 30-day timeframe required under the FCRA, 15 U.S.C. 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit card or prepaid card

i was charged XXXX for XXXX credit report on my credit card, i sent XXXX a letter in XX/XX/2022 to cancel theses services and called the companies phone number last year, got a computer voice that asked me to enter my social security number and said i was not a member, i sent my credit card company a copy of the letter they started a dispute and said it was insufficient, i thought sending a letter asking XXXX to cancel was good enough.
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. 
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 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 : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

ID FOR COMPLAINT SENT TO TRANS UNION LLC XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting a repossession on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I initially purchased this vehicle and turned the vehicle back within the time frame allotted under the Lemon Law because the vehicle was defective. The mechanics at the dealership tried to fix the issues but were unsuccessful so I had no choice but to give the defective vehicle back. I no longer have the vehicle and this false reporting of a repossession is seriously harming my credit score. I have contacted XXXX XXXX   as well as the bureaus to remove this line item from my credit report however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the following items will be corrected or deleted soon : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize the following hard inquiries on my credit report in any capacity, meaning that these were reported without my consent : TransUnion : - 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 XXXXXXXX )
Product: Credit card or prepaid card

A payment was made in full of {$6900.00} for balance on card on XX/XX/XXXX by my XXXX company ( XXXX ) to pay off my debt and received by Barclays on and processed on XX/XX/XXXX and to this date it has not been dropped from my account. I inquire about this issue several times and was informed on XXXX XXXX that they did not have payment and an investigation would start and it would take 30 days. However I received a dated XX/XX/XXXX indicating that it would take another 45 days for investigation. In the mean time I have been incurring fees and interest. I have documents to indicate receipt of amount and letter from Barclays of further investigation.
Product: Mortgage

On XX/XX/21 while reviewing my credit report I noticed a significant drop in my score. One bureau was reduced by 80 points while the other was over 100 points. Shellpoint Mortgage had reported me over 30 days late ; however, I have a modification agreement in place which starts XX/XX/21. We were told that it would not negatively impact us but that is not the case. The more concerning part is that when my records are corrected the credit bureaus will NOT be increased by equal numbers it was decreased by. It's unfortunate that we are affected in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I have disputed two collection accounts with Portfolio Recovery Associates for several months now. One particular time recently a certified letter was sent and was shown as " attempted delivery '' for what has now been about 5 months. I would like PRA to provide me the contractual agreement between myself and them that says that I am liable for the charges that they claim I owe. I have only been sent print out statements that does not prove that I XXXXXXXX XXXX  XXXX opened any accounts with Portfolio Recovery. Please provide the full audit trail for the information that you have on file to include how the debt occurred, whom the original creditor is, a signed contract between me and the original creditor, the amount that Portfolio Recovery paid for the debt and something showing proof that a contractual agreement exists between the original credit, Portfolio Recovery that makes me liable to pay them. I have also attached a letter that has been sent to Portfolio Recovery 's dispute department and has not been acknowledged.
Product: Credit reporting or other personal consumer reports

Initially requested a recast of my mortgage on XXXX. I was asked to wire funds on XXXX XXXX. I was given an expectation of XXXX days to complete the process. I continually contacted the company by phone and email requesting status of completion, as I knew my mortgage payment would decrease once recast was processed. I was told still in processing and reminded of XXXX days as late as XXXX. I was frustrated knowing we were beyond XXXX days. They were withdrawing payment until XXXX payment and I called to inquire why the automatic transfer stopped. It took until the end of XXXX to get response that since a recast in process they'd no longer be able to accept payment through automatic payment from my institution and I'd need to pay directly to company. I immediately paid my XXXX and XXXX payment. I was assured no late payment would be reported. Not until I contacted original lender for assistance in getting resolved as determined they had in fact processed my recast as a loan modification and had reported late payments to the credit agencies which negatively impacted my exceptional credit rating by XXXX points which resulted in decrease of credit status to good. While they " fixed '' the rating they still have reflected my payments as late.
Product: Debt collection

I was contacted by telephone by a company called Premier Holdings regarding a credit card I supposedly had 12 years ago and did not pay. First of all I have no recollection of this and told the woman that. She immediately threatened to sue me and said something about my current vehicle which I did not understand, and when I asked her to repeat what she said she said she was no longer going to talk to me and hung up on me. I have received nothing about this matter before this telephone call. The woman ( Miss XXXX ) was beyond rude and hateful. She had no desire to explain things to me just when and how much could I pay or someone would appear at my door to serve me to appear in court. I called back and asked for a supervisor and received Miss XXXX who refused to let me speak with anyone and again was abusive. Who is this company and how are they allowed to treat people like this?
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Some one logged into Chase Bank account and transferred {$450.00} to an account using XXXX to XXXX XXXX. 

Neither XXXX XXXX - college student at XXXX XXXX XXXX nor XXXX XXXX XXXX authorized the transaction and do not have any knowledge of XXXX XXXX XXXX 

XXXX and XXXX XXXX were home on XXXX/XXXX/XXXX. XXXX was down with Cold/fever symptoms. 

On XX/XX/year> we filed a complaint to research and refund {$450.00} at Chase Bank. They are unable to help recover {$450.00} back to college account. 

The fraud department at Chase has not resolved and XXXX - XXXX XXXX XXXX XXXXXXXX ( XXXX, AZ ) have not helped either. Telephone calls goes to XXXX XXXX for Chase and XXXX XXXX for XXXX. 

We need CF help to recover our {$450.00} back. Please help us. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX XXXX  to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

This is the third complaint I've sent in about Wells Fargo erroneously cashing a check from me for {$4000.00}. I have followed all instructions on getting the funds back from Wells Fargo but they continue to hold that money on their side and refuse to return it. XXXX XXXX at the XXXX XXXX location in XXXX XXXX of Wells Fargo claims that they don't have the funds yet XXXX tells me they haven't seen it and they have sent wire instructions to Wells Fargo 's claims department as well as sent a claim to Wells Fargo for the reversal the check. Wells Fargo does not have a copy of the check as it has been destroyed. They have stolen {$4000.00} from me and refuse to return it.
Product: Checking or savings account

XXXX Deposited a Settlement check in the amount of {$15000.00} through the ATM. On XXXX it cleared. I started paying bills on XXXX. By the evening my card was declined and after calling XXXX my account was also blocked. I was told by BMO that their was a fraudulent hold on my account. No reason why but directed me to call the Fraud Department the next day XXXX. I did and I was told that there was a fraud investigation in process so to the check that I deposited. Later after requesting to speak to a supervisor, I was told it was because they did not recognize the check and it could take up to 30 days to verify. I was also directed to send all documents to the Fraud Department that pertains to the check. I was given to different emails which the first one was wrong. I felt so embarrassed and was treated like I was trying to process a fake check. My branch has continuously apologized for what was and is happening now. I have had my account for 7 years with no issues and my account has always been in good standings. Now I am being treated like a criminal. How do I pay for the rest of my bills?
Product: Mortgage

I have been dealing with them charging me every month for forced place insurance after submitting them multiple times. They have acknowledged multiple times but still are charging every month {$9.00} this has been going on for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since  XXXX   XXXX ,  2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.
Product: Mortgage

I have an FHA primary mortgage with LoanCare. The loan servicing company is XXXX XXXX XXXX. On or about XX/XX/XXXX, I received an alert from XXXX XXXX informing me that LoanCare put adverse information on my credit report due to an unpaid {$750.00} fee. I communicate with LoanCare staff on a regular and recurring basis and was not informed of this fee. When I called LoanCare representatives, they stated that my mortgage loan is current and there are no fees due. My online account with LoanCare did not reflect the {$750.00} fee. However, it did reflect a {$15.00} fee for the month of XX/XX/XXXX which I paid promptly along with my mortgage on or about XX/XX/XXXX. On XX/XX/XXXX, I left a message on LoanCares customer website and requested that a manager contact me so that I could determine whether there was a {$750.00} fee and the reason for the fee. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ), a manager with LoanCares Customer Service Department, and she informed me that the {$750.00} fee was an attorney fee that LoanCare charged that is related to my Chapter XXXX bankruptcy case that I filed in DC Bankruptcy Court on XX/XX/XXXX ( Case Number XXXX ). XXXX XXXX, Bankruptcy Attorney, represented me in Case Number XXXX. In XX/XX/XXXX, Mr. XXXX voluntarily dismissed my case at my request. On XX/XX/XXXX, I sent an E-Mail message to XXXX XXXX inquiring about LoanCares fee in the amount of {$750.00} and he replied to my E-Mail message on XX/XX/XXXX stating that he was never informed of this fee by LoanCares legal representative. My mortgage loan was modified to lower my monthly payment and interest rate effective on XX/XX/XXXX. The trial payments and processing of my loan modification application began in XX/XX/XXXX and ended in XX/XX/XXXX. In XX/XX/XXXX, I was informed by LoanCare customer service representatives that if there were any fees outstanding that they would be removed during the loan modification process.