23daVinci/CFPB_Complaints huggingface dataset:
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, TransUnion, block fraudulent, inaccurate, and unverifiable information appearing on my 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 : XXXXXXXX XXXX XXXX Account : Opened on XX/XX/XXXX under account number ( private ).

Listed inconsistently as Open with XXXX, Closed with XXXX, and Collection with TransUnion. 
Contradictory charge-off balance of {$370.00} with no Date of First Delinquency ( DOFD ). 
High credit reported inconsistently across bureaus, violating FCRA 1681e ( b ). 

XXXX Account : Opened on XX/XX/XXXX under account number ( private ). 
Listed as Collection with TransUnion but Closed with XXXX. 
Missing DOFD, payment history, and resolution details, making the account unverifiable. 

XXXX XXXX XXXX Account : Opened on XX/XX/XXXX under account number ( private ). 
Missing DOFD and creditor classification ; reported as Unknown Creditor.

Inconsistent status of charged-off but with active past-due balances.

These accounts have resulted in severe inaccuracies on my consumer FICO credit report. Attached are the highlighted screenshots of the errors in question as proof. These fraudulent accounts were not opened, initiated, or authorized by me. All accounts referenced are the result of identity theft or fraudulent reporting. Attached is my FTC Identity Theft Affidavit ( # private case number ) and supporting documents to confirm these accounts are the result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported by the credit bureaus, and must be removed immediately for violation and inaccuracy : The following accounts have violated my rights : XXXX  XXXX XXXX late payment XXXX  XXXX XXXX late payment XXXX  XXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agnecy can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agnecy may make any cnsumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes whch antedates the report by more t han seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting aggency if the person knowls or has reasonable cause to believe that the information may be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account 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 instruction.
Product: Student loan

I called this number today XXXX thinking it was Navient Student loans. A lady named XXXX answered and asked for my information such as name, date of birth, and social. Once she got my information she said I have the wrong number and gave me Navients number and hung up on me. When I called back she would not give me the name of their company and hung up on me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pervious complaint # XXXX XX/XX/2023 XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : XXXX. XXXX XXXX # XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 

XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I have no outstanding debts owed reflected in my credit report. Yet I am getting repeated voicemails left at my work phone number. I have recordings of the message available, as I am now work from home due to the pandemic, and all voicemail messages are emailed to me. 

The most recent voicemail was XX/XX/21, and they leave messages 2-3 times a week. 

Transcription of the message left is " We have an important message from South West credit systems. This is a call from a debt collector. Please call XXXX at your earliest convenience. "
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$270.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX I receive a letter from HSBC Bank USA that all my accounts with HSBC Bank USA will be transferred to XXXX XXXX due to a recent acquisition of HSBC US by XXXX. Since then I have got several letters with information how all my accounts incl my XXXX XXXX Account will be transferred to XXXX by XX/XX/XXXX. 
We are now getting closer to the actual date of transfer to XXXX XXXX which will take place around XX/XX/XXXX. Despite what all the information letters I have gotten from both banks shows, I now yesterday and today by coincidentally speaking with HSBC customer service on other mattersXX/XX/XXXX find out that my XX/XX/XXXXAccount with HSBC will not be moved to XX/XX/XXXX something I have not been informed about elsewhere. HSBC can not give me any explanation why this is now the case and they tell me they can not change this. This is a very unfortunate situation to put thousands of clients in ( I am sure I am not the only one in entire US having this problem now ) because I will now have to deal with two banks in my daily life going forward instead of one which is completely against my will and might also more long term affect my credit scores negatively. A negative effect on my credit score from this potentially could have substantial economic impact on me due to an acquisition and joggling of clients bank accounts between HSBC and XXXXXX/XX/XXXXwhich is completely out of HSBC clients hand and we have no say against it. I find this random joggling with trusted and good customers bank accounts and credit cards between two banks very critical and completely unacceptable and can impact bank clients substantial negatively both short term and long term. Therefore I kindly file this compliant which I very much hope and would be very thankful if FTC would take up, go into and try to solve so HSBC clients do not end in this bank account and credit card limbo being randomly split from one bank into two banks in the daily life.
Product: Credit reporting or other personal consumer reports

Someone used my card fraud Was determined by XXXX was not me they placed my payment as good standing never late then XXXX and all burea dropped my score again an additional 30 points and before they dropped over XXXX thats crazy The credit places have me as 60 days late again when XXXX said on a call I am ok which I knew I now delayed selling my home to buy a home I need sell my condo because I cant afford it and before lose it need sell Now I can not I have proof of everything my score from XXXX is XXXX thats not right
Product: Debt collection

I noticed on my credit report that LvNV funding LLC has that I owe XXXX this account does not belong to me and I 've disputed multiple times. They have n't gotten in contact with me either.
Product: Bank account or service

I was issued a personal check. When I went to cash it at the bank that it was drawn on ( Suntrust ), they wanted to charge me {$7.00} to redeem it claiming that I would have to open an account with them for the fee to be waived. This ca n't be legal. Why should I be penalized for accepting a legal financial bearer instrument. It is as if I were to borrow {$100.00} from you, and when you asked for repayment I told you that I 'd be please to repay you but it would cost you {$7.00} for me to take it out of my pocket.
Product: Credit reporting or other personal consumer reports

( Violation of FCRA, 15 U.S.C. 1681 et seq. ) Dear TransUnion Dispute Department, I am writing to formally dispute an inaccurate charge-off reported on my credit report for my XXXXXXXX XXXX account ( Account Number : XXXX ), which is falsely listed under the " Collection/Charge-Off '' status. 

This charge-off was settled and should not be reported as an outstanding derogatory item. Additionally, no IRS Form 1099-C was provided to me, despite this being a legal requirement when a debt is written off. The failure to issue a 1099-C indicates that this account was not legally charged off, meaning it should not appear as a charge-off on my credit report. 

Violations of Federal Law ( FCRA & IRS Regulations ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since this debt was settled, its charge-off status should have been removed. 
15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires furnishers to update and correct previously reported information if it is found to be inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable investigation within 30 days when a consumer disputes information. 
IRS Regulation ( 26 U.S.C. 6050P ) Creditors must issue a 1099-C for canceled or discharged debt. No such form was issued, proving that the charge-off claim is inconsistent with federal tax law.

Requested Action I formally request the immediate deletion of this charge-off from my credit report based on its inaccurate and misleading nature. The continued reporting of this account under " Collection/Charge-Off '' is an FCRA violation that is damaging my credit profile unjustly. 

Supporting Evidence To support my claim, I have attached the following : Screenshot from my XXXX Credit Report Showing the inaccurate charge-off. 
Bank Records Confirming Settlement Demonstrating that this debt was satisfied. 

Copy of My Drivers License & Passport Verifying my identity. 

Legal Notice & Next Steps Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct this inaccurate information within 30 days of receiving this dispute. If you fail to investigate and correct this inaccuracy, I will escalate this matter through the following actions : Pursuing legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Reporting this issue to the Federal Trade Commission ( FTC ) and IRS for further investigation Please provide me with written confirmation once this dispute has been resolved and the inaccurate charge-off has been removed. If TransUnion refuses to correct this error, I demand a detailed explanation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

I appreciate your immediate attention to this matter and expect a response within 30 days, as required by law. If you require any additional information, please contact me using the details provided above. 

Sincerely, XXXX XXXX XXXX : Screenshot from XXXX Credit Report Bank Records Confirming Settlement Copy of Drivers License & Passport
Product: Debt collection

GC Services LP/ Michigan Department of Treasury Collection Services Bureau . Has repeatedly abused their power regarding " alleged '' taxes I owe. I verified my residency via my tax preparer at XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the XXXX XXXXXXXX office to be exact. She put my residence code on my amended tax form which is XXXX XXXX XXXX Mi. and GC Services XXXX after submitting all the appropriate documents ( tax forms, drivers license, utility bill, GC services threw the XXXX Office of Tax Compliancy refuses to acknowledge the fact that they are wrong. 
They have went so far as to try and manipulate the courts in the State of Michigan to try and issue a garnishment contacting my employer which is XXXX the payroll department in XXXX, Wash that wasn't upheld in court because.GC Services LP tried to cajole me to admit that I live in the city of XXXX which I clearly don't I live in XXXX XXXX Michigan. GC Services LP is bullying me to try and make me pay money that I don't owe and they have all the necessary documents that I submitted 3 times prior. They have clearly broken the law in the State of Michigan attempting to issue a LEVY based on false information the names of the person 's on the false LEVY are XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I have also been in touch with the Michigan Attorney Generals Office Headed by XXXX XXXX, I have strong evidence to know that GC Services LP broke the law on behalf of the Michigan Department of Treasury. I personally can submit all the documents submitted to GC Services LP the City of XXXX Tax Compliancy Office and anything else I need to clear my name this experience has caused stress and unnecessary worry in my life and I want to to stop. 
I'm filing complaints also with the Michigan Attorney Generals Office GC Services LP has crossed the line into criminality.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.
Product: Mortgage

I am a XXXX XXXX XXXX  veteran and have homestead exemption for my property ( funded using the VA loan ). The City of XXXX got behind in XXXX and XXXX processing exemptions and for my account particularly, there needed to be adjustments and a new appraisal accomplished for the multi family property I purchased. When I got approved for my loan, my property taxes were not escrowed as it was expected I would work it out with the city to pay the taxes required on the unoccupied portion of my land ( the portion I rent out ). In XXXX, the city of XXXX tax department ( which is separate from the exemptions department ) apparently sent a bill to penny mac that they paid and then Penny Mac for the first time ever escrowed the taxes. This bill was not correct. I called penny mac and they said they would pursue a refund from the city. In XXXX, penny mac again paid an incorrect property tax amount. This has now put my escrow and add an additional monthly payment of {$4000.00}. I submitted proof to Penny Mac that they overpaid and requested a rebalance of my escrow amount as I do not have an extra {$4000.00} a month. They continue to tell me that I have to pay and I should get " assistance ''. XXXX says Penny Mac has not requested the XXXX repayment check and that XXXX repayment will happen in 90-120 days after the close of the tax season XXXX XX/XX/XXXX. Penny Mac has overpaid my property taxes by {$45000.00} across two years and they want me to foot the bill. I don't have the means to do that, and they refuse to adjust my monthly mortgage rate back down to what I was paying. Penny Mac made the mistake and want me to pay for it.
Product: Mortgage

I decided to go with Citibank to get a mortgage for a new home I was going to buy in my city. Days and weeks past, and I gave them all the information they needed, with them approving my loan. They provided both parties with the closing date, which was XX/XX/13. They even told me to pay the insurance as a requirement, 4 days before the closing date, which I did. It was around {$650.00} for the whole year. Everything was set to go through until an event which occurred 48 hours before the closing date, Citibank backed out. They deleted all information regarding my account, and left both me and the sellers in the dark. This is not fair. I'm now at a lost as to what to do, not to mention XXXX  because I have to turn in the keys for the apartment I'm living in at the end of the month. 

Also, to clarify on a previous question : Have I tried to resolve the issue with the company? Yes, but they have blocked all communication attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact XXXX to get it removed. XXXX informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.
Product: Mortgage

I am receiving letters from Wells Fargo Home Mortgage saying that I owe all these fees. 
I have never been late on a payment, I pay the mortgage at the bank and get a receipt each time so I know that they have received all the payments. The property is a rental condo and they have never called me to have an inspection. The outside of the condo is maintained by the Homeowner 's Association so I do not know why I was charged for inspections of the condo when I am not even responsible for the maintenance of the condo building. There are also multiple attorney fees on their statement and I do not know why they needed an attorney and why I am being charged attorney fees. 
Years ago I spoke with someone at the local branch of Wells Fargo and I thought this was resolved and they said I did not owe anything but I keep getting bills from them. 
There have been class action lawsuits about this very same thing so it seems that they are charging a lot of other people fees that they do not owe. Please do something about this as I should not have to start another class action lawsuit to stop them from charging fees that are not necessary and have nothing to do with my loan. 
I am attaching the letter with the breakdown of the fees that they sent to me and also a copy of a letter I received about a class action lawsuit but I did not do anything about it at that time because I did not know that they would be charging me all these fees. 
These big banks received money from the taxpayers and the government so why do they need to collect more money when it is n't even necessary to do these inspections and they do not need all of these attorneys either, especially when someone pays their mortgage every month. This has to end. They are getting away with charging fees to lots of people and it adds up to a lot of money as many people just pay it to stop the harassment but it is wrong so please do something to stop the abuse of power Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

Problem was not resolved on XX/XX/year> I lost money due to fraud