23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.
Product: Credit card or prepaid card

I had really rough XXXX-XXXX. I lost my job with XXXX and had extreme difficulty locating a new position due to covid. As a result most of credit cards charged off. I have been working tirelessly to pay off or settle etc. This store- i assume- has gone out of business making it extremely difficult to reach anyone at synchrony to discuss account details. Each time ive called ive been on hold for over 15 min then the line disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to EXPERIANRIAN, XXXX  AND XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Experian sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Inquiries in Dispute : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. XXXX XXXX and Equifax.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distri-bution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Product: Vehicle loan or lease

I was charged extra amount for my car loan through Wells Fargo. My car was also repossessed by them during a lawsuit that I was never compensated for. I tried to contact Wells Fargo but they dismissed my calls. Please help me to find out why I was not included in this lawsuit. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing several disputes with the CFPB. After discovering this inaccurate information on my Transunion credit report back in XXXX of this year. I have sent several registered letters and filed numerous disputes/complaints, asking Transunion to simply verify the information they are reporting and claim is valid, or remove the inaccurate information from my report. However, Transunion continues to report this inaccurate information on my credit report as of XX/XX/2023. 
They are the only bureau reporting this inaccurate information. After several follow-up phone calls and being told that Transunion does NOT have to verify the accuracy and provide any proof of what they are reporting, going on to tell me that it is my responsibility to provide them with proof. 
At this point, I am left with no choice but to file another dispute through the FTC and CFPB, as well as, the XXXX 
I possess the correct information in my files and have recently provided that information to my lawyer. I have a letter from an agent at the XXXX of Maine - XXXX. XXXX Services, who handled my account personally, stating the correct and accurate information. However, I refuse to release that information, as Transunion continues to request that I do. As they are more than capable of gathering that information themselves. If they, in fact, re-investigate the dispute, legitimately, and simply provide proof of the information that they are reporting, inaccurately. XXXX continuing to claim that it is valid and accurate, without providing any proof of it. Much less a contact name and/or contact information of the person or entity that they claim provided them with the information. They are content continuing to report the inaccurate information while continuing to request that I provide them with the correct information when they are required by law to provide proof that the information they are reporting is XXXX XXXX percent accurate to me. Their dispute agents have been trained to trick people into providing Transunion with the information that they need to keep reporting whatever they please while using the information that you provide to them against you. For the last time, the information that they continue to report is completely inaccurate. Please provide me proof of its accuracy, or remove it from my report, immediately.
Product: Checking or savings account

I am the co-owner of a Chase account ending in XXXX with my XXXX child. On XX/XX/XXXX   there were 6 unauthorized XXXX  charges taken from my daughters account for {$2.00}, {$2.00}, {$2.00}, {$50.00}, {$50.00} and {$50.00}. All charges were payable to XXXX XXXX in XXXX Florida. My daughter was at work on XX/XX/XXXX  in XXXX, California and she did not make these charges. 

My daughter immediately filed a claim and had her debit card closed as soon as she saw these charges. 

I received a letter from Chase dated XX/XX/XXXX    that states the claim was denied due to the same token ID and apple pay being used. Thats a LIE! My daughter did not authorize these charges and her apple pay was not used. Please see the attached picture of her XXXX XXXX transactions on XX/XX/. 

Chase can tell from the way the transactions were done that this fraud. It follows a fraud pattern with them testing the account with three small {$2.00} transactions and then three larger transactions for {$50.00}. 

I demand that this claim being paid immediately.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX, XXXX XXXX, ACCOUNT XXXX OPEN DATE : XX/XX/XXXX, XXXX, ACCOUNT XXXX, OPEN DATE : XX/XX/XXXX 2019
Product: Debt collection

I sent out a validation letter XX/XX/22 I havent got a response. I asked debt to removed deleted off credit reports if didnt provide a contract with me the company within 30 days its been over 30 days no response from company
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 I received a letter ( co py enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you  may  have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Product: Mortgage

The company keeps raising the mortgage payment not in accordance with the agreement schedule given to us. It started out 2 years ago with a payment of {$1100.00} and now its over {$1400.00}. This is a loan modification which was a HELOC loan number XXXX where the payment became {$3200.00} at the 2nd phase of the loan.It was impossible for us to pay the XXXXThe load mod was supposed to give us relief. Moreover over payments were put into principal pay downs which were not authorized by us.Further they harassed us with the house insurance ( they said we had none... we sent the declaration page to them ) which we have had since 2004 threatening us to charge us for the insurance we already had.We have all the phone calls and statements and agreements documented but since we have had a death in the family have not had an opportunity to send it all to you.We have been on the phone with BOA for hours and still nothing has been done, Just fake promises.
Product: Money transfer, virtual currency, or money service

Have had many reports filed within a short period of time regarding issues with SOFI BANK as well as SoFi Securities and the misuse of my account before liquidating all of my investment assets and then closing my account without consumer requesting it be done! Then when contacted ( SoFi bank rep ) they gave me the run around about who actually did cash out the investments before closing and reopening followed by once again closing my account. The account I believe was either hack and duplicated or payments are being re-routed per XXXX XXXX XXXX. The same is currently being done with my XXXX XXXX XXXXXXXX Account in which Im still awaiting a XXXX XXXX SINCE the end of XXXX this year.
Product: Payday loan, title loan, personal loan, or advance loan

On the XXXX I paid my {$XXXX} loan advance in full which was {$XXXX} after only XXXX weeks in which the interest was like XXXX to XXXX  % which is insane the initial process to get that money was quick and easy no problems whatsoever however today when I reached out to borrow less {$XXXX} they are now questioning my work phone number which was already verified. Theyre questioning my bank account, which was also verified and theyre asking me to give them the full account number over the phone, which I refused due to fraud in place to protect consumers, they claim it their policy and procedure and this is illegal for what theyre asking. I was glad to verify the last XXXX numbers of the account and told them to withdraw my loan and cancel my account.
Product: Debt collection

XXXX charged me a termination fee in error. XXXX turned this over to a collection agency for collection. XXXX has reversed the charges but the collection agency keeps trying to collect it. I have contacted XXXX numerous times. They said as soon as I dispute the charges then they will send a letter to the collection agency. Please help!!
Product: Debt collection

There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Name : XXXX XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charge off XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$55.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have report to Wells Fargo Bank my credit card lost, someone pick up my credit card to used, and happened to fraud charge on XXXX XX/XX/year>. 
But Wells Fargo Bank don't help me to fix the problem. 
Please help request Wells Fargo Bank to fix the problem, and refund the fraud charge amount {$740.00} USD to me. 
Thank you,
Product: Debt collection

On XX/XX/19 I have received notification form the credit bureaus in reference to an alleged debt reported on my credit file from Midland Credit Management in reference to XXXX XXXX XXXX. Midland Credit Management has not notified me of this debt via mail or phone call in reference to this alleged debt owed. Midland Credit Management began reporting this alleged debt on XX/XX/19. It is illegal and a violation of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/XXXX Credco ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  credit inquiries that were not authorized by me. 

XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  This inquiry is 22 days away from it been 24 months and would like to start the process of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent activity on my Experian credit report. I'm unable to dispute it because Experian website is not allowing me to log in and their phone number does not provide human service or any automated way of disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this problem back in XXXX over 60 days to XX/XX/XXXX and Experian and still have not received a response back yet. The problem I am having is on my XX/XX/XXXX and Experian credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XX/XX/XXXX report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XX/XX/XXXX is the correct account that shows accurate information. I would like to update XX/XX/XXXX and Experian to match my XX/XX/XXXX payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Product: Checking or savings account

To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. 

PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX  capable of calling and visiting the branch, I can not XXXX  to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. 

As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. 
This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX,
Product: Credit card

I received a letter on XX/XX/XXXX, dated XXXX, stating that I reported fraud on my account and requested my account be closed. I did not do this. 

I called XX/XX/XXXX to confirm all transactions on my account were made by me, that I did not report fraud, and want my account reopened. The representative stated they updated notes for the investigator. 

I called back XX/XX/XXXX and was told no progress in the investigation had been made. I requested the date of the alleged call reporting fraud and was told XXXX. I requested an audio recording of the XXXX call and was denied by the representative. I requested a transcript of the XXXX call and was told they would check and that I should follow up the next week. 

I called back XXXX and requested an update. I was told my account could not be rebuilt and I could not receive the transcript. 

I am concerned that some major account action was taken on my account either by someone else or by a system error. There was no ability to correct the negative action taken incorrectly on my behalf.
Product: Mortgage

Round Point Mortgage has not been forth coming with information about processing my loan payments is giving me the run around about setting up a bi weekly payment. 
History : - Mortgage was sold to Round Point from XXXX XXXX - I immediately tried to setup a bi weekly process and filled out the proper form provided. But then was told it was not setup because it the date was wrong. 
- On XXXX ( ish ) I was called by Round Point to verify and correct the date, I was not aware of a correction that was needed till then. I corrected this over the phone and my bi weekly payments were supposed to start on XX/XX/2021. 
- I called Round Point today to verify that everything was setup to find it was not even thought it was supposed to from over 3 weeks ago. 
- I went to their escalation team and was told I would have an email verification of the resolution and now nothing.
Product: Student loan

When I went in for appointment to attend XXXX XXXX XXXX. The son of the owner was the intake person. I had made him aware that I am a single parent that had a XXXX my entire life and wanted to peruse XXXX  XXXX. He said that everything is covered through the state dads I will not be responsible to pay anything being I have low income. Also he never told me after I completed the 2 year program I will have to take a state board test. I have a XXXX  XXXX growing up. To take pay to take the test would have to pay several hundreds of dollars being I know I will not be able to pass it and still would be putting out money for the test. I was unaware of the big test after school was done. I was unable to make a career out of it due to I was unaware I would have to take a state test with no help if needed. I am a single parent with low income. I requested the loan forgivness being I was unable to make career and that I take guy was not clear what happens after you done school. I will need US DEPARTMENT OF ED/GLELSI to be removed from credit being they transferred to DEPART OF EDUCATION/NELN ( 5 ). 

I have 5 student loans through DEPART OF EDUCATION/NELN XX/XX/XXXX for {$980.00} XX/XX/XXXX for {$2200.00} & {$3700.00} XX/XX/XXXX for {$1800.00}
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed multiple lawsuits against TransUnion for violating previous agreement with CFPB, failed to ensure accuracy for tenants, and failure to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as TransUnions 's inaction violates federal law and my rights as a consumer.