23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion received a complaint and dispute from me mailed XX/XX/2016 and a certified letter on XX/XX/2016 @ XXXX. I asked for investigation that claims that I filed bankruptcy and request them to provide proof of me filing bankruptcy. They sent me a letter back stating it has been verified. I have never filed bankruptcy and request proof bearing my signature and they have failed to provide me that information nor did they mark dispute in 30 days. Verifying they computer is not sufficient and I requested information stating I filed for bankruptcy which was never provided. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. Check the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be updated. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX
Product: Debt collection

RS Clark is reporting that they are collecting on behalf of XXXX XXXX and XXXX. This business is no longer valid. I have tried to reach the original business and it is no more. Is this fraud?
Product: Checking or savings account

MY ACCOUNT WAS DEBITED FOR OVER XXXX DOLLARS I NEVER MADE ANY OF THE TRANSACTIONS THEY CLOSED CLAIM RIGHT AFTER I FILLED IT SAYING THEY HAD FRAUD INDICATORS AND WILL NOT RETURN MY MONEY PLEASE HELP.
Product: Mortgage

We mailed our monthly mortgage payment to Provident Funding on XXXX XXXX. However, Provident did not cash the payment until XXXX XXXX. In the meantime, Provident assessed a late fee on our account. 
On XXXX XXXX, prior to the assessment of the late fee, I emailed Provident to find out why our payment was n't cashed. However, I did not receive a response until the late fee was imminent. 
Provident assessed the late fee on XXXX XXXX, then decided to cash our check the next day.
Product: Credit reporting or other personal consumer reports

TransUnion stated they verified the account listed as XXXX XXXX XXXX as accurate but did not provide me with any documents nor contact information for the person they allege they spoke with to verify this information. I have repeatedly asked for this proof because under federal law they have to validate this information and I have a right to view it for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Product: Debt collection

They have been calling from this number XXXX and more times a day not leaving messages. I do not owe anything to this debt collection company and I have told them that if they call this number again I will report as a harassing phone call. They continue to call.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 ABC Financial services took XXXX from a card they had no authorization to do so. They took 4 monthly payments in one day. This was for a XXXX XXXX account that had been closed on my end due to a documented XXXX. They deny taking money from my card and say it fame from the bank account they had on file which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a company that I was intersted in, but they wanted to run a credit check and when I asked would it be a hard inquiry I opt out and they still ran my credit without my consent and it keeps showing up every month along with other companies I did not apply for credit for. 
XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why theyre there. When I checked my report as I normally do, I noticed these unexplained discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. This situation is extremely frustrating, and I urgently request that the documents I provided be reviewed carefully to resolve this issue and prevent further worry.
Product: Debt collection

My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a debt validation letter by certified mail which was received by the debt collector on XX/XX/2022, according to XXXX certified tracking information. It is now XX/XX/2022 and I have not received any debt validation information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that this company is being reported TWICE. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I DO NOT OWE THIS COMPANY ANY MONEY. nor been in contact with or have any contracts with this company at all!
Product: Credit card or prepaid card

My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX. I process AMEX cards for my business. I have a customer that made two separate payments to XXXX XXXX XXXX XXXX for {$14000.00} on XX/XX/18 and XX/XX/18 for {$4700.00}. The customers requested a refund from AMEX for the {$4700.00} which XXXX XXXX XXXX disputed with a signed copy of the sales proposal and other information and AMEX denied XXXX XXXX XXXX rebuttal. AMEX then processed a chargeback for the {$14000.00} prior to our ability to dispute. The 2nd dispute was processed even though the notification states the customer can not request a dispute for items older then 120 days old. I have called AMEX nearly every day and never been able to speak to anyone other then their processing with XXXX. Several XXXX staff members and even a supervisor have stated that with our signed contract and information provided that the chargebacks should be reversed. I can provide all documentation needed. My best contact at XXXX is XXXX in Dispute Resolutions. Knowing that AMEX processors agree with our documentation, we put a stop payment on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future payments processed through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment. The contract proposal that was received by their customers had direct detailed descriptions and links to the customer products received and installed in the XXXX home.
Product: Checking or savings account

PNC is blocking me from using an online payday loan I think its extra security but I gave this company permission I been dealing with them for a while this is my checking account this is my money in the bank dont block my account
Product: Credit reporting or other personal consumer reports

Equifax XXXX. 
XXXX XXXX XXXX. 
XXXX. XXXX, GA XXXX Dear sir, I have received a postcard which noticed me that fraud alert was removed. Since I believe myself, I need to have the fraud alert and officially sent the document to ask the extended XXXX fraud alert, I logged on the website and checked that initial fraud alert is on. Even though there is a question why I need to send my identification several times for the extension, I will enclose again the necessary documents ; even though I slightly feel the concern whether it is safe to send the documents of identification several times to keep the identity. I express strong concern on this matter since I have several postal issues, which waiting the answer. 

I also received a package of documents prepared on XX/XX/XXXX of XXXX. Along with other credit report companies, I received the same documents with different dates often. I have a question why the mailing delivery took so long time, since I received one month later even though it is internal delivery. If it happens with international delivery, I can understand since I have noticed it takes longer due to several international matters. Since still extended XXXX XXXX alert is not on, I will not start to check the credit report of your company, which can be checked by internet ; even though sometimes I feel strong suspicion whether these online information or data is reliable. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am writing to request assistance with lender placed insurance. Shellpoint mortgage servicing is the servicing agent for our mortgage lender. As of XX/XX/XXXX, they opened an escrow account, without consent or notification and placed hazard insurance on our account. I have insurance for the condo in question without lapses, but Shellpoint was missing the renewal from the HOA. I did not find out until XX/XX/XXXX that I was being charged for insurance I do not control. Now mind you, this is insurance to cover the entire complex not just my condo. Shellpoint had all the contact information for the HOA and did not contact them directly for this information. 
We sent an email to the HOA on XX/XX/XXXX requesting a certificate of Insurance for the complex and by the afternoon had provided Shellpoint with proof of insurance with no laps in coverage for the HOA. Shellpoint left the hazard insurance in place and continued to charge me. I contacted Shellpoint again on XX/XX/XXXX to get an update and they stated the Certificate of Insurance was only for information purposes and did not include the limits. So, the very same day we got a new certificate of insurance and sent it over. To date my account is still being charged and Shellpoint has made no effort to rectify the situation. 
The fact is Shellpoint neglected to contact any of us. They had my address, cell number, email and contact information for the HOA. They have been provided proof of coverage without lapse on several occasions and neglected to refund the charges. A letter dated XX/XX/XXXX states that they are increasing the cost of the lender placed hazard insurance. This is ludicrous, I can not get Shellpoint to credit my account and in my lender contract it clearly states they can not open an escrow account without the borrowers consent. What even worse is this is not information within my control!
Product: Vehicle loan or lease

I went to the XXXX XXXX XXXX XXXX XXXX to get another vehicle my previous rep that dealt with my first purchase which was a XXXX XXXX XXXX he told me to come back in 6 months I could trade it in because I did not want that car but thats all I could afford with a cosigner and they would pay it off and I wouldnt be upside down but he no longer works there so I just dealt with a new rep he tried to get me approved for the XXXX XXXX XXXX XXXX XXXX and could not so he then sold me a XXXX XXXX XXXX and he stated that it would have features that I was seeking like navigation and remote connect after signing the legal binding contract it has none of those features and this dealership does not want to take full responsibility for selling me a car with no features and im also upside down all they did was knock off {XXXX XXXX  more a month and that will not satisfy me after signing the second time I noticed it also doesnt have heated seats so im like what does it have all they advise me to do is continue paying the note on a vehicle im not happy with for a year and my credit improves they also illegally ran my credit across 6 different finance companies without my permission to get me approved my credit is screwed so I cant even go to a new dealership and they wont buy this car because XXXX is trying to charge me {$50000.00} they have lost there minds
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Ally Auto over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. Ally canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from Ally is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/XXXX.