23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Filed consumer complaint against XXXX XXXX XXXX with NM attorney general, the complaint, acknowledgement letter and response from XXXX  attached. In response to complaint XXXX admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in XXXX 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however XXXX instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response XXXX failed to provide evidence as requested in the complaint regarding the validation of this debt. XXXX ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to XXXX XXXX negligence and violated my rights as set forth in FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : Transunion I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference Number : XXXX We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.
Product: Debt collection

First, this debt is owed by a XXXX company I worked for and the agreement was made between University XXXX XXXX and XXXX. Second, This collection was put on my credit report days before I received a very unprofessional letter stating I have until XX/XX/2017 to pay off the debt or make arrangements for payment.
Product: Mortgage

i received a letter from Mr. Cooper aka Nationstar Mtg - XXXX XXXX  XXXX XXXX OH XXXX ( i have paid my own insurance since the inception of the loan XXXX ) that they needed evidence of insurance - after calling them they kept telling me that i needed to have the insurance company change the address on the ins -- - the insurance company told me they CAN NOT change addresses that the address they have has been the same since XXXX called the mortgage company - they insisted it was not the same as when mortgage originated with XXXX XXXX XXXXXXXX that sold it to them ( Nationstar ) - i have sent them the ins cert - the renewal all the info on the property address per the USPS - by Certified mail and today they now say that i did not provide and they are force placing insurance. -- --
Product: Checking or savings account

suntrust closed my account more than 7 months ago and my money has not been returned.
Product: Student loan

Once again, I go onto your Website to download information on my student loan. XXXX XXXX, Senior Resolution Specialist I need an explanation why is it on XX/XX/XXXX, under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. I get access to my account back on XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, it shows under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. Now I know somebody is messing with my student loan online account. This is unacceptable and now I have to look at every little detail and amount by navigating around my account and downloading my information. This will be another complaint with the Dept of Ed. I'm going to ask them if Nelnet is allowed to change due dates on an Income-Driven Plan with zero payments due. I am also going to report that I was not notified that you resubmitted my payment information to XXXX  and XXXX. Oh, sorry you have up to 60 days to reply to the CFPB. Had I noticed this problem earlier, I would have put this information on the previous complaint. Why would somebody purposely change my due dates. Maybe you have a good explanation and if you do, please reply asap. This is getting serious now.
Product: Credit reporting or other personal consumer reports

The Bureau was asked to remove inaccurate information on or around XXXX of 2024 with an initial request and a second reinvestigation was submitted in XXXX of 2024 with no avail of updated information. Still my Credit Report is showing inaccurate information
Product: Debt collection

Creditor was AMEX. Account was closed around XXXX. While Account was on a forbearance during Covid Lock down Amex reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost XXXX  years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then Amex began to play games reporting false balance owed, and reporting late payments of XXXX  months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Checking or savings account

Every bank Ive tried to open an checking account with keeps declining me even banks Ive never been with
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had One late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XXXX, 2024. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

On XX/XX/2016 all of my inquiries were removed and were put back on my report XX/XX/2016 TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. Transunion has violated my rights under the FCRA Section 611 laws! I spoke to many reps who confirmed there was a glitch but they would not update my credit report or transfer me to special handling and were instead very belligerent. 
I have proof of the removal and reinsertion from XXXX XXXX and credit card reports. 
I can see very clearly that they were deleted and reinserted which dropped my score dramatically.
Product: Credit reporting or other personal consumer reports

I have disputed the balance with creditor, XXXX, XXXX and XXXX. Account balance and status reported is incorrect.
Product: Money transfer, virtual currency, or money service

XXXX Couldnt get them on the phone for a refund. 
Cash App is the company
Product: Debt collection

Bank of America extended {$50000.00} line of credit loan to borrower, who was co-trustee of a trust. Modest family home was the only trust asset. Title search was never done by bank, else they would have discovered in the Trust document AND paperwork recorded with XXXX County, CA, that financial transactions could not be made without the approval of BOTH trustees. This was a fraudulent loan done by B of A. Borrower, an XXXX who was n't married and had no children, died last year and his sister, the other co-trustee, is survivor trustee. She had no knowledge of the loan, never approved the loan, and never benefited from the loan. How the money was spent is unknown, and he had no assets. After repeated contacts with Bank of America ( since XX/XX/XXXX ), they have just informed her in XX/XX/XXXX that they will not forgive the loan, and are threatening her with foreclosure on the house. She lives in XXXX California, has very little money, and takes care of a XXXX grandson. She has no money to pay court fees, even if the attorney worked for free. {$50000.00} is a " fortune '' to her, while it 's " small change '' to Bank of America. I have ALL documents to prove this, and it 's a very straightforward issue. Bank of America had no legal right to extend this loan to an unauthorized borrower, and has no legal right to demand the innocent victim to pay it off, else lose her home.
Product: Credit reporting or other personal consumer reports

This account started its first late payment on XX/XX/year>, which is inaccurate since it does not reflect the balance of the account, much less the payment due and payment paid, consequently this affects subsequent late payments. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete inaccurate of the following account : XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT )
Product: Debt collection

Received calls between XXXX and XXXX multiple times : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX
Product: Debt collection

I discovered that fraudulent accounts and transactions have been opened or conducted in my name without my authorization. These activities are not mine and may have occurred due to identity theft. I have not applied for or authorized these accounts, nor have I made any of the associated charges. I first noticed the issue when I reviewed my credit report and saw accounts or inquiries that I did not recognize. These fraudulent activities have negatively impacted my credit and financial standing, and I am taking the necessary steps to resolve the issue and secure my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX DEPT was ordered by " The Borrower Defense Refund Cancellation DEPT '' to freeze any direct & /or parent plus loans I may have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX due the direct or parent plus loans being under investigation, ( for which XXXX XXXX has a lawyer for currently ), until the investigation- even by the FBI, XXXX XXXX, PA OFFC ) , has made their decisions. No decision has still yet been deremined which means that no loans from this college should be showing on or me or my daughter 's credit report. Not as paid or anything. Just as frozen. Can contact the dept. for verification so this can be removed. Also, XXXX XXXX, a new loan servicor I transferred to from XXXX XXXX XXXX XXXX, informed me that the XXXX XXXX DEPT ordered them to allow direct or/ & parent plus loans to be added to my consolidation which I never authorized! The mailed paper work : forms & consolidation application even states that since I gave authorization for my signature o be used electronically, they have right to keep using it! 

I have tried reporting repeatedly to the credit bureaus, but, have been unable to login in even after repeated login resets ... Starting to wonder if I am being deliberately kept from getting in to my credit report accounts. 

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

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious 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 you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Hello On XXXX/XXXX/XXXX I have requested a withdrawal of {$9900.00} from XXXX to my bank account. It is a direct wire transfer which I have to pay money for. XXXX confirmed the transfer and state that my money would be in my bank by XX/XX/XXXX. 

I still havent received my money and been trying to contact XXXX for the status of my case with no avail. This includes email, phone call, and social sites like reddit. There were no feedback of any kind from XXXX https : //www.coinbase.com XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.
Product: Credit card or prepaid card

I've had a Target Red Card Credit Card for 12 years. Initially the Credit Limit was somewhere around {$2000.00}. For a long period of time I was continually carrying a balance on this card month after month and at times coming close to maxing out my limit. Even during this time, I never made a late payment. At some point when I was carrying a balance on the card my credit limit was increased to {$6200.00} without my knowledge. Eventually I paid down the credit card and didn't use it as frequently as I previously did. In XXXX of 2020 Target lowered my credit limit from {$6200.00} down to {$2000.00} again without my knowledge. When I found out, due to my credit score being lowered because the ratio of used credit to available credit had changed. I called Target 's credit card services who told me it was lowered due to inactivity and they would look into correcting the limit. Since that first call I've had to call back 2 more times and during the times I was questioned about my income level, which has only gone up over the last 10 years and told that the computers review these cases so they could take months to change and basically told that there was nothing they could do to fix it. If this credit card wasn't the oldest thing being reported on my Credit Report and there wouldn't be a negative impact to my credit report, I would've closed it already. I feel like extending someone's credit when they're carrying a max balance and lowering it when they're not using the card is basically predatory lending. I don't absolutely need the extended balance on this card but the principal of the situation and the lack of response from Target is what really upsets me in this situation.
Product: Mortgage

My loan with Bank of American was in forbearance due to Covid. I didn't pay 4 months due to my loss of income during covid. I resumed paying the monthly dues after 4 mos but the 4 months behind I wasn't able to pay. BofA charged me fees ( miscellaneous ) for a total of {$560.00}. When I called them what those charges are for they told me it's for " they pay somebody every month to come & pass by the house to check if I'm living in the house ''. This was just so ridiculous. I can't believe. I asked their Customer Service if they do that to everybody who are in forbearance, she said " yes ''. My heloc is XXXX XXXXXXXX. The value of the property is {$1.00} XXXX. I live in XXXX XXXX XXXX. After forbearance period in XXXX I called them & asked if they can do something for me ( as what their website says ) for the forbearance amount like put back at the end of the loan or loan modification. They told me my loan was not set up that way!!! I didn't have any choice but to pay off the forbearance amount. 
Is it ethical to charge their customer this kind of fees during hardship? 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 a 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 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.
Product: Credit reporting or other personal consumer reports

Transunion is accepting fraudulent information from a furnisher onto my credit file without permissible use. Transunion has also failed to verify with the furnisher, a contract that would enable the furnisher to report an account onto my credit profile. Neither the furnisher nor Transunion sent any notice to me prior to placing the alleged debt onto my credit profile in order for me to assert any objections. The debt reports no payment history, yet in XXXX of 2023, Transunion reports this alleged debt as a new collection account. Said action is a FCRA violation. Transunion reports said fraudulently reported account as a loan with a 14 year history, but has no payment history, yet Transunion affirmatively reports the account as a charge-off account ruining my credit rating. Transunion does not report any contract terms, no delinquent payments yet somehow reports the account as a delinquent chargeoff. That is inaccurate and false reporting. Transunion failed to verify the accuracy of said account before placing the account onto my credit file. Said action was done without permissible use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXX failed to comply with my Metro 2 Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to XXXX XXXX XXXX requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with XXXX XXXX XXXX XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.
Product: Checking or savings account

XXXX XXXX, which can be found at XXXX XXXX XXXX denied me an account with them. I asked them which checking reporting service they use, because I am entitled to a free checking report with them. They told me they can not provide this information. I believe I am entitled to this information. I was able to eventually get them to tell me that they do not use XXXX XXXX, but I was booted from the app before I was able to ask for their actual reporting vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been a victim of identity theft and have been trying to fight it since. Someone, I don't know who, stole my personal information and used it to open a line of credit with a credit grantor. I don't know how this thief got ahold of my personal information but I have not given my information out to anybody nor have I authorized anybody to open it for me. The account opened by the thief is called " XXXX '' The day it was opened was XX/XX/2020 and the Balance is {$0.00}. I have tried to get this account blocked and deleted off my personal credit report as advised by the credit grantor due to my situation and I've has no luck. I am neglected even though I studied my rights and have provided all the valid documents as stated by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX LLC XXXX XXXX XXXX XXXX XXXX PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following inquiries are related to none of the aforementioned permissible purposes.

20inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry dateApr XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXXXXXX 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 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 XXXXse remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX