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

I am writing to express my continued dissatisfaction and disappointment with the handling of my third attempt to remove fraudulent items from my credit file. Despite my persistent efforts and submission of substantial evidence, the response from your company has been inadequate and fails to address the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have provided no indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling powerless and betrayed by your company 's inability to handle this matter effectively. 

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution.

Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 
Implement measures to prevent similar incidents from occurring in the future, including a comprehensive review and enhancement of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX/DOFED XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

Please report your method of validation on how you are reporting a collection with a past due amount as accurate. 
The account was charged off and is still reporting a balance. Ive yet to receive a 1099-C for the supposed charge off amount.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Amount {$5000.00} Made payment arrangements. Finances shifted. Tried to setup more payment arrangements and company closed the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.
Product: Student loan

My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.
Product: Payday loan, title loan, or personal loan

Ive had several accounts with PNC I cant Believe how I was treated they didnt even consider that I have paid off loans before with them I have never had a delinquent account everything is paid in full on time They would not even let me speak to the underwriter manager that made that decision they never asked for any information just denied me knowing that Ive had mini loans with them. I feel like I was discriminated against PNC should always treat their customers with some sort of respect and decency
Product: Credit reporting or other personal consumer reports

In XXXX days, I will initiate an update on my credit reports and anticipate the expeditious removal of the remaining fraudulent entries from said reports. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate any items identified in an identity theft report # XXXX. Enclosed herewith are documents facilitating the rectification of inaccurate information currently reflected on my reports. I wish to reiterate, particularly to the XXXX XXXX, that in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to expunge any items identified by a consumer as stemming from an alleged identity theft, no later than 4 business days after receipt. The following items are specified for removal per bureaus : -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 initially noticed negative impacts on my credit by using XXXX app. Over the years it has always shown negative effects on my credit. I have attempted to reach out to XXXX, XXXX  and transunion in attempts to clarify what accounts were in fact negative. I have had zero responses to this information. From what little information I have on my credit it shows 100 % on time payments for the whole duration of my credit. I have never had an account go into collections nor have I had an account go delinquent. The most recent dispute is now about an account that Transunion is reporting as Delinquent and currently Open. The account has been closed for several months now. Yet Transunion just reported the account and is displaying it as delinquent. 

I have reached out to Transunion specifically going on four weeks now with attempts to get the ability to login to the account that I attempted to create four weeks ago. Being this is the only way that Transunion allows credit users to dispute accounts on their credit agency. Transunion has made it impossible to dispute an account by stating I have login and password information to my account. However, I have never received any sort of confirmation that the account exists nor the ability to login with the information they have provided me. 

My goal is to remove all of these negative marks on my credit if these credit agencies are not going to provide me with information so I can either rectify the situations or have a clear understanding of what account they are referring too. 

Again, nothing on my credit is showing negative. Yet all three agencies are reporting negative impacts for accounts past due, serious delinquencies, credit card usage and recent missed payment. All of which aside from credit card usage is incorrect. 

I would like these to be resolved for it is negatively impacting my abilities to establish permanent residency for me and my family. 

Thank you
Product: Student loan

I have previously filed a complaint with EdFinancial and on XX/XX/XXXX they sent out a letter which I didn't receive until XX/XX/XXXX stating that I had a couple of options to work out my repayment plan. 

When I called EdFinancial on the next business day to arrive an agreement on XX/XX/XXXX, the company had already turned over my account to the Default Department. 

I promptly called the Default department and they had told me that the options that were provided on the letter by EdFinancial were no longer available and they had turned over my account into default on XX/XX/XXXX.
Product: Credit card or prepaid card

I have a Citi credit card that has a balance consisting of two balance transfers- one at 0.00 % ( {$2400.00} ) and another at 0.99 % ( {$6400.00} ). The balance transfer at 0.00 % was set to expire on XX/XX/2023, at which time the rate would increase to 24.99 %. I made a payment for the full amount of that balance transfer 's remaining balance ( {$2400.00} ) on XX/XX/2023. My statement then cut off on XX/XX/2023. Citi applied all of my XX/XX/2023 payment to the balance transfer balance with the 0.99 % rate because they pay down the higher interest rate balance first ( to benefit the consumer? ). That not only resulted in my expiring balance transfer balance jumping to 24.99 %, but it paid down the other balance transfer balance that I just gotten in XX/XX/2023 and paid a fee to obtain. I have reached out to Citi via chat on multiple occasions. The first was to ask if my payment can be reapplied to the expiring balance transfer. The option to have a payment reapplied is in Citi 's Help FAQs and I went that route, but I received a letter in the mail days later saying that request was denied. I then chatted with a representative asking if I could get an understanding of why it was denied and was given a copy of the payment processing order. I explained the situation and was again denied. I then chatted with a " supervisor '' who approved me getting a refund of {$2300.00} ( to make sure what was paid covers the minimum payment ) credited back to my bank account. This was I could make the payment and have it applied now to this high-rate balance. I was told the refund would go right to my bank account. Now 7-10 days later, I check and still no refund. I chatted with Citi again only to be told that the refund was denied. I explained that I am paying over {$50.00} a month in interest because I paid off my balance transfer on time and had I paid it 1-2 days later, I would not be being charged all of this interest. I was told he would try to get it refunded again, but I expressed my concern for the payment application practice and their unwillingness to work with consumers as I feel that the balance transfer policy, expiration dates, statement dates, and payment application practices are misleading and harmful to consumers. I continue to be charged interest at a very high rate until I can pay that off and in the meantime I am not getting the benefit of the low-rate balance transfer that was offered to me ( which again, I paid a fee to obtain ).
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. 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 ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

Please provide information to the following questions When was the dispute started internally at TransUnion? 
When was the dispute sent to the original information furnisher? 
When did TransUnion receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as TransUnion is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Trans Union XXXX, UNITED STATES COURT OF APPEALS, FOR THE THIRD CIRCUIT, No. 9 6-15 5 3, the judge ruled that TransUnion violated the Fair Credit Reporting Act by failing to compare evidence. TransUnion has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I have made a purchase back in XX/XX/XXXX and have been paying comenity bank since then every month. 
For the past two years I have paid way more than I was required to, and still comenity bank due to their own mistake every month processed my payment differently or did not record a payment I made. 
I called them and disputed the mess they have created several times. One time they agreed to fix it. 
I am just tired of them and still after two years they want another {$360.00}. 
I need them to refund me all those penalties they have charged me for every month and to correct their reporting to credit Bureaus. 
The damage they have done to my credit is irreparable and I when I requested a copy of all the statements I have had they said they wont provide me with ANY statements as of today XX/XX/XXXX unless I write and request them from XXXX, Ohio.
Product: Mortgage

On XX/XX/XXXX, I applied online for a line of credit. Veterans United Home Loans immediately denied an extension of my credit. This is 2 violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has been making unsolicited inquiries into my credit account every 3 days since XXXX - XXXX and ongoing. I did not apply for credit from anyone and only used Credit Karma years ago and that was paid off in full, at least five years ago.
Product: Credit card or prepaid card

XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!
Product: Checking or savings account

I closed a previous account and received a check for the remaining funds in my account. I opened an account at First Tech Federal Credit Union on XX/XX/2024 and funded the account with a transfer from a savings account. On XX/XX/2024, I made a mobile deposit of this check for {$22000.00} to my account. The mobile deposit limit is {$50000.00}, so I assumed it would be fine. I made the mobile deposit and immediately received a notification that my account was frozen and temporarily suspended and I was unable to access my account in any way. I called the bank and they told me I was suspected of fraud. On XX/XX/2024, I sent the fraud dept a copy of the email from my previous bank confirming that the amount of my returned funds check, a copy of where I had gotten the funds from for my social security payment, and a copy of the entire check, including the paystub. I also sent them a copy of my drivers license, my social security card, and a copy of my utility bill that contained my home address. I was told that my account would remain frozen for 45 days while an investigation takes place. I stressed that I had proven my identity, proven the validity of the check, and shown proof of where I had gotten the money. I was told that I needed to be patient and they have lots of claims to investigate and they will get to mine eventually. Meanwhile, I have no access to my account, or my money. First Tech Federal now holds over {$22000.00} of my money and refuses to give me access to it.
Product: Debt collection

Remex called me about a debt of the amount of XXXX about a month ago. I answered the phone and the person automatically went into asking for my personal information and what was my account information. I automatically thought it was a scam it was very unprofessional. I was asked also for my credit card number, I also asked for a statement or some type of email for confirmation about this debt. I asked could there be a payment plan and it was a automatic no we dont do that. The employees are very unprofessional and demanding.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion continues to incorrectly report items and score on my credit report. I have several credit scores that report a XXXX score before the XXXX account was removed from my credit report in the amount of {$7800.00}. The XXXX account was removed, therefore, my credit score should have dramatically increased instead of remaining the same. 
I want this score corrected and if it is not corrected within 30 days I will file legal action for willful damages in the federal court. 
The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them. It offers very specific guidelines on the methods credit reporting agencies use to collect and verify information and outlines reasons that information can be released.

See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the XXXX District of Virginia
Product: Credit reporting or other personal consumer reports

Amerihome Mortgage sold my mortgage to XXXX XXXX  when we were refinancing. That missed payment was made to XXXX XXXX. Then when the refinance went through, my payment continued through Amerihome. 2 weeks later I received a check back from XXXX XXXX, saying my mortgage has been SOLD. I called Amerihome and the representative said I was up to date with payments. Please listen to your recorded calls. This needs to be deleted or I will have to take further steps. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Sirs I have provided these requested information multiple times to Experian and XXXX. I can not access to my credit report since 2010, for over 10 years. All the questions and answers are not related to my SSN but someone else is using it. I get same reply year after year from Experian and XXXX that I can not provide any information to them online and by mail I get nowhere. I always repeatedly get same old answer ... 

What else can I do? 

XXXX XXXX. 

Please provide the following : One copy of a government issued identification card, such as a drivers license or state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue.