23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/2020 I submitted a complaint to Telerecovery of Louisiana, which is now name changed to Telerecovery Corporation/ Telerecovery XXXX XXXX  . stating that they are reporting on my credit report a debt I do not owe. They had XXXX XXXX XXXX respond back stating that the debt was mines and they will not update my records reflecting that I do not owe this company. They are stating I owe them {$700.00} which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that TransUnion conduct an investigation into this matter. Specifically, I request that TransUnion contact XXXXXXXX XXXX XXXXXXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXXXXXX XXXX XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information.

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that TransUnion delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that TransUnion take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I was in forebearance due to natural diaster but mortgage company reported my payment late after forbearance ended. I already had agreement through partial payment due to loan being fha loan
Product: Credit reporting

I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Product: Credit card

In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. 
Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. 
any proof, but still
Product: Mortgage

XXXX - Note sent to XXXX XXXX - Lending Officer - Wells Fargo Home Mortgage XXXX ID XXXX - XXXX 's XXXX XXXX XXXX XXXX XXXX at XXXX, or email at XXXX XXXX XXXX I thought it would be prudent to reiterate our discussion and include my WF financial advisor, XXXX XXXX who referred me to your organization. 

As I understand what you said today, you can apply the Sellers credit of {$10000.00} on my loan to certain expenses. You do not consider my down payment an expense and did not want to leave any monies on the table. However, your team made several errors on the Closing Disclosure. You left off my homeowners policy of {$2400.00} and the Statement of Account of {$290.00}. Those are legitimate expenses that could have been taken care of with the Sellers concession monies. You never disclosed the funding for the points buy-down of {$5400.00} with me or my husband. Neither one of us knew that XXXX was buying down the interest rate with the {$10000.00} Sellers concession. You can go back and look at all the LEs in my file, and the only time this fee was disclosed was on Thursday of last week. That was the last day the CD was due to go to our Title Company. By the time I realized that we were being charged for the buy-down, it was too late to do much about it. The Seller was anxious to move on to his new life and would not grant us any extra time to get this corrected. 

XXXX was well aware that our plans are to refinance this loan as soon as interest rates drop below XXXX  %. Why would I spend over $ XXXX on a loan that I am going to refinance? And it lowered my payment by only {$90.00} a month. I am not that stupid, and I would hope that XXXX is not either. 

My plans are to file a formal complaint with the XXXX this week. I feel that your organization did not communicate precisely where the funding for the buy-down was being sourced from. 

The real complaint is that the last Lending Estimate that XXXX sent to me did not disclose that I was paying for the buy down points from the Seller 's Concession to me as the buyer. And, the Lending Estimate did not match the Closing Disclosure. It was on XXXX at approximately XXXXXXXX XXXX XXXX that I received WF 's final Closing Disclosure in which I first saw that I was funding the buy down of the points. I tried to reach XXXX that evening but she had left for the day. The CD had to be at the Title Company by XXXXXXXX XXXX on the XXXX in order for us to close on XXXX. The communication during the entire lending process was not concise. Had XXXX explained to me where the funding was coming from, I would have refused to do this.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021, someone withdraw a total of XXXX dollars from my Bank account. I called Chase and filed a claim and they credited me the XXXX dollars. XXXX XX/XX/2021 I noticed that they reverse the XXXX dollars so I called them and they told me that their investigation concluded that it was me who withdraw the money because of the debit card chip that was used. I told them that it was not me and I had never taken out more then XXXX dollars from the ATM as that is the limit of withdrawal allowed in a day, they said they dont know and there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I answered your questions as close to my complaint as I could, but your options don't really fit what I'm complaining about. 

In 2016, because of a large data breach with my health insurance company, and because the thought of identity theft is so abhorrent, I froze my credit with XXXX, Experian and XXXX. Last week, I tried to open a new account with a bank. I learned they couldn't open the account without first verifying my identity with Experian, and that I would need to unfreeze my account. I have spent hours and all six ways to Sunday trying to do that to no avail. I have found online and tried calling a variety of phone numbers for Experian, but all of them get to the same robot/menu operations and I am told ( by the robot ) I can not be connected to an agent. I've been told ( at their website online ) that I can unfreeze my account by setting up an account with them, which I have tried to do numerous times, but something must not be matching exactly ( I have 3 email accounts, 3 different phone numbers, and I have a different mailing than street address, and I don't remember what I used when I froze the accounts ) so I'm not being allowed to open an account, and, therefore, I can't unfreeze my credit. This has been incredibly frustrating. I didn't choose to work with these companies, yet they monitor my credit. Therefore, I would like them to be required to allow citizens to access a real person to assist with problems such as this It is quite serious to not be able to unfreeze your account. Perhaps, filing this complaint will make a difference. Otherwise, it seems my only option will be to write to the company and hope for a reasonable response. By then, the bank 's special CD rate I was hoping to take advantage of will likely no longer by available.
Product: Credit reporting or other personal consumer reports

This is a formal dispute regarding the inaccurate reporting of the XXXX XXXX collection account on my credit report. XXXX accounts should not reflect monthly payment histories, yet this account is improperly reporting a payment history with " CO '' ( charge-off ) and even " OK '' in XX/XX/XXXX, which is inaccurate and misleading. Once an account is sent to collections, it should be reported solely as a collection account without ongoing delinquencies. Additionally, the " Date Last Active '' is listed as XX/XX/XXXX, a date that is clearly erroneous. Furthermore, no " Date of Last Payment '' is reported, and there is no consistency in reporting across all credit bureaus, as XXXX does not reflect this account at all. This is a violation of the Fair Credit Reporting Act ( FCRA ), as it is your obligation to ensure the accuracy of all reported information. In Dennis v. BEH-1, LLC, the court held the collection agency accountable for failing to verify accurate information, setting a clear precedent. The inaccuracies in this account, combined with the lack of proper verification, warrant immediate removal. I request that this account be deleted from my credit report due to the reporting errors and failure to adhere to FCRA requirements.
Product: Debt collection

I talked with a guy from XXXX today stated name was XXXX XXXX owner of company. We came to an agreement on a settlement but first I want a letter stating it was settled in full, and wanted to know how my credit would be updated he got really angry stating it would show settled on credit would not be removed and the I state well can't i just depute once paid and he state no I need to stop deputing and he would not take a settlement unless I stopped or did not depute and the stated I am the owner and since your going to depute I only want a payment in full now and no one in the office is allow to talk to or take payment on account if they don't tranfer him the call they would be fire stating his employees.
Product: Debt collection

This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, XXXX XXXX XXXX XXXX, lists their business address in XXXX XXXX, MN allegedly hired the firm of Schlee & Stillman , LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to one another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
Product: Credit reporting or other personal consumer reports

They continue to report incorrect information to XXXX. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to XXXX that my account is 120 days past due. That is not accurate. I have filed several disputes with XXXX, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called transunion at XXXX XX/XX/2018 and customer service rep was very rude and refused to help me with these inquiries that were reported on my credit and were not authorized and i believe i was a victim of there inquiry issue in there system.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

for account that in collection with XXXX XXXX XXXXXXXX is the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

So I have been in contact with this company. Even went to court about this which was against the law. They are not XXXX XXXX compliant. They are in violation of 15 USC 1681b, 15 USC 1681e ( b ), and 15 USC 1681. This was paid in court.
Product: Mortgage

I had a mortgage with Wells Fargo that was foreclosed on in XXXX of 2018. We tried to work with XXXX to modify our mortgage to avoid foreclosure, but they wouldn't respond to give us any options. The home was foreclosed on and bought by Wells Fargo from our understanding. I need to know how to be part of their current payout for issues on home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts Account Name : XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I sent in a dispute with Experian about a unclear and unobtrusive payment status. I am in the process of trying to buy my family a home, but the lenders are stating that this comment is misleading. Right now it says : " Current account/was a collection account, insurance claim or government claim or terminated by default '' The only portion of the statement that is the truth is the account is current. 
PLEASE SEE ATTACHMENTS After the dispute results nothing was changed. Including the incorrect status of this account being a collection. This account was never sent to a collection agency. The account was transferred to XXXX ( loan provider ) from the XXXX Department of Education to handle payments and communications, and has been on auto draft since the account was open. I have the bank statements to prove I have always been current in my monthly payments. I am still paying monthly. PLEASE SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that you block this information from my credit report within XXXX XXXX XXXX  pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX {$0.00}, XXXX XXXX {$780.00}, XXXX XXXX XXXX {$10000.00}.
Product: Money transfer, virtual currency, or money service

Did an online purchase and different amount was taken out. Close to {$70000.00} was taken which was suppose to be only about {$400.00}. Asked the company for a refund and the company asked for more to have it fixed. Asked the bank for help. The bank attendant said that it was done online and they are unable to help. It was bank that approved the amount and they do have the right to help. The company was scam and bank refused to help.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called police for being a victim of identity theft they go against me and send me to hospital XXXXXXXX XXXX and I'm in a data breach with XXXX XXXX XXXX company and XXXX XXXX XXXX XXXX student loans done not y me