23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request regarding my social security number being compromised. I have notified all of the bureaus that I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. The below fraudulent accounts continue to adversely affecting me and I am requesting immediate resolution and removal : XXXX : U.S. BANKRUPTCY COURT Original filing date : XX/XX/XXXX Reference Number : XXXX EQUIFAX : Account Name : Acct # Amount : Date Opened : XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$36000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Account Name : Account Number : Amount : Date Opened : XXXX XXXXXXXX XXXX XXXXXXXX {$28000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$36000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$66.00} XX/XX/XXXX US BKPT CT CA XXXX XXXX Original filing date : XX/XX/XXXX Reference Number : XXXX INQUIIRIES : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX XXXX announce it experience a data breach which impacted the personal information of approximately XXXX XXXX people. Settlement was reached. 

On XX/XX/XXXX received notice of data breach from XXXX XXXX. Suspicious activities was detected on their computer network. 

Under section FCRA-605b please remove all derogatory marks off my credit reports
Product: Mortgage

I am one payment behind as a result of my wife losing her job. I explained this and submitted a request to have the single payment added back on to the end of the loan for two reasons : 1. I can re-enable auto-payments so that I wo n't miss or be late on any payments moving forward. 2. I 'll stop being charged $ XXXX/mo in late fees. The bank offered to let me pay the additional payment over 2 months, which was essentially a denial of the request, since I ca n't do that. I 've just had another late payment, because I was travelling for work without consistent access to the internet, and I could n't schedule the payment to be made. If I had been able to set up auto-pay, the payment would have been made on time, but the bank is essentially preventing me from doing so. This is remarkably frustrating, since it is impacting my credit. I also asked the bank to stop calling, and they continue to do so multiple times per day, even after I explained the situation and requested help. Thank you for reviewing the situation.
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Dispute Request for Removal of Inaccurate Information from My Credit Report Dear CFPB Representative, I hope this letter finds you well. I am reaching out for your assistance in resolving an issue with my credit report that I have attempted to address directly with the credit bureaus, but have not been successful in obtaining a proper resolution. Specifically, I am requesting the removal of inaccurate or outdated information that is negatively impacting my credit profile. The information in question pertains to the account below based on the following legal grounds : Account Disputed XX/XX/year> : Original creditor Company : LVNV FUNDING LLC Amount : {$2500.00} Remarks : Placed for collection Account information disputed by consumer Account information disputed by consumer FCRA XXXX ( a ) ( XXXX ) : Credit bureaus are required to delete or correct information that can not be verified as accurate. Despite my previous dispute, the listed account ( XXXX ) remain on my report without sufficient verification. 
FCRA XXXX ( b ) : Creditors and debt collectors must investigate disputed information and remove any inaccuracies. However, I have not received proper validation of this account, and it should therefore be removed. 
FCRA XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) : If this account is related to a collection or charge-off, it should not be reported beyond XXXX years from the date of first delinquency. If it exceeds this time frame, it must be removed immediately. 
FDCPA XXXX ( XXXX ) : Reporting false or misleading information to credit bureaus violates federal law. If this account is incorrect or unverifiable, it should no longer be reported. 
FDCPA XXXX ( b ) : If this debt was not properly validated upon request, it should not have been reported at all. 
Given the legal protections under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that the CFPB assist in ensuring the proper investigation and removal of this account from my credit report. 

To support my claim, I have attached a copy of my credit report with the disputed item highlighted, previous dispute letters, and any supporting documentation. I would appreciate a prompt review of this matter and a written confirmation once the issue has been resolved. 

Thank you for your time and assistance. I truly appreciate your help in ensuring my credit report reflects only accurate and fair information. Please feel free to reach out if any additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent TransUnion several letters asking them investigate items on my report to which they continue to send me responses stating that I did not send these letters and since they do NOT believe I sent them they will be disregarding my letter as frivolous ( I have attached the latest response below ) I requested that the following accounts be Invested for validity per FCRA, US Code 1681 and for all documents that prove that validity be sent to myself to which they have not done so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested that the following inquiries be removed under 2681B as I did Not authorize them : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This will be my XXXX dispute letter sent to TransUnion and XXXX. 

As a reputable credit reporting agency, I expect that these companies would always provide accurate and reliable information to financial institutions and other organizations that rely on their services. Unfortunately, my experience with these companies has fallen far short of this expectation. 

As mentioned in my previous letters, Trade : XXXX XXXX XXXX with an Account Number XXXX, has long been deleted in XXXX on XX/XX/2023. ( see attached file for XXXX previous feedback ) In addition, I would like to bring to XXXX 's attention the inaccuracies in my credit report regarding my Date of Birth and Previous Address. Despite providing my drivers license for verification, it seems the information has not been appropriately updated. 

These inaccuracies in reporting this account are concerning, and because of these unfair practices and mishaps, I demand that the above-mentioned account be promptly deleted from my credit history due to these errors and oversights.
Product: Debt collection

First, TSI is attempting to collect an amount of money that I do not -- and have never -- legally owed to XXXX XXXX XXXX. Second, TSI has made efforts to fraudulently collect a debt I do not owe, SUBSEQUENT to the XXXX XXXX XXXX stating that I do NOT owe any amount and that they would have TSI remove my name and account from collection effort. Notwithstanding, TSI has continued its efforts to collect. 

I received a notice via USPS on XX/XX/XXXX that TSI was attempting to collect an amount of {$35.00} for a claim made by XXXX XXXX. I logged into the online account on XX/XX/XXXX to confirm and found the online system also claimed the same amount was owed. 

I promptly send certified mail to TSI disputing the debt was owed and showing proof via an EOB from my insurance that I have a zero liability amount for the date of service visit for which TSI is attempting to collect a debt. I also included a check number of payment from XXXX to XXXX. 

Further I notified TSI that I was erroneously billed by XXXX and that the amount had been paid in full by XXXX XXXX on XX/XX/XXXX, per my phone call discussion with XXXX on XX/XX/XXXX. XXXX notified XXXX XXXX on XX/XX/XXXX that I had zero patient liability. 

Furthermore, pursuant to filing a XXXX XXXX XXXX  Complaint ( which was subsequent to confirmation from my insurance company that I have, and always had zero liability ), XXXX contacted me on XX/XX/XXXX to notify me that they were no longer seeking money from me and would remove any such charge from collections. In fact, XXXX committed to calling the XXXX contact at TSI on XX/XX/XXXX to remove my account from any such collection effort in progress. 

It was subsequent to the phone call with XXXX that TSI engaged in actions to collect and SUBSEQUENT to XXXX stating they no longer were seeking money, and that they would remove the alleged charge from collections. XXXX made these statements to me on the phone on XX/XX/XXXX and the contact name was XXXX in Patient Support Internal Billing, who may be reached at XXXX. 

Let me be clear I will not pay money that I have never owed and do not owe. TSI initiated and pursued action -- against regulations -- AFTER a medical service provider confirmed they sought no payment from me. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I explained to a representative that worked for the lender, and they refused to accept my income from part-time work and discriminated against my marital status by refusing to accept my spouse 's income for consideration.
Product: Payday loan, title loan, or personal loan

In XXXX I had a loan from ace cash Express. I couldn't make an payment so I refinanced the loan. Still unable to pay my grandmother and my younger sibling both recieved calls from ace cash Express on XX/XX/XXXX. They were told that XXXX county ( which is the county I reside in ) will be filing a law suit against me and that they will find me. Not giving them a name who called or the reason for the lawsuit. My grandmother has the voicemail saved. So I get notice about the calls and I call them back. They never called me which I thought was odd. They tell me about the lawsuit and tell me to pay it. They said I was being sued for fraud and not being able to pay back the loan. I feel threatened as if they were making me give them money no questions asked.
Product: Debt collection

Upon reviewing my credit I see a collections account from Caine & Weiner I have asked the company to verify this account pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997 As required by the Act. I ask that this company send that I have request in my dispute certified mail, and not other fraudulent or fake, frivolous tactics to verify this debt I believe the company is operating fraudulently
Product: Credit card

I was charged {$1900.00} for XXXX theater tickets by XXXX. I wanted to look for the prices for XXXX tickets to see XXXX, XXXX XXXX show on XXXX XXXX, 2016. I emailed XXXX and was taken to XXXX site. I saw XXXX tickets in the XXXX but the cost was written within a range. I wanted specific information. In order to find out the price of the tickets I had to enter my e-mail, name and address and credit card information. When I saw the tickets would cost over {$700.00} I quickly left the site without clicking the purchase button. To my surprise I received an e-mail from XXXX thanking me for ordering XXXX tickets. No cost was listed in the e-mail. I immediately tried to call XXXX but their phone was not answered so I e-mailed them about correcting their mistake. I finally spoke to XXXX representatives who said all sales are final and to sell the tickets on XXXX or XXXX List. Since I did not buy any tickets I could not sell any. I went to my Chase Bank online account and found I had been charged {$1900.00} for XXXX tickets. I called Chase Bank Cardmember Services and disputed the charge. They gave me a temporary credit on XXXX XXXX, 2016. I heard nothing more until XX/XX/2016 when I received a call from Chase Bank saying they were charging my card again for {$1900.00} due to information received from XXXX. They said I purchased the tickets and Chase believed their statement. I do not want this to happen to anyone else which is why I am fighting this illegal charge. I would appreciate any help you can give me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I performed a consumer credit transaction on XX/XX/XXXX and was denied my right to an extension of credit via Bank Of America. I received an adverse action letter stating nothing but inaccuracies and unverified information. I then proceeded to send correspondence to the company which they received XX/XX/XXXX and I never got a response from them. They violated 15 USC 1691 ( a ) ( 3 ) because I, the creditor, applied in good faith. The credit reporting agencies showed an inquiry confirming that a consumer credit transaction took place, which I also never benefitted from the transaction which violates 15 USC 1602p, because they used my credit card as per 15 USC 1602 ( l ). As a consumer protected by Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ) I am demanding the right to an extension of credit.
Product: Debt collection

Demand for proof of payment for property taxes in XX/XX/2022 On XX/XX/2022 I made a payment for my property taxes {$490.00} by my personal check XXXX XXXX According to unnamed " Financials '' coming from unknown to me parties, I was " charged '' for my property taxes again, while nobody provided me any evidence or authority to pay for my property taxes. 

I demand proof of payment for my taxes in XX/XX/2022 ; and the name of the Company who made this payment and name and contact information of its responsible employee ; and the name of Company who authorized this payment and the name and contact information of its responsible employee.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX I contacted the data furnisher company XXXX XXXX at that time I filed a dispute on the following accounts that are being reported as collections.XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO # XXXX and XXXX XXXXXXXX XXXX  account no. # XXXX. On XX/XX/XXXX I received a response to my dispute stating that has of the date of the letter they forward me that this account had been deleted .Further more they furnish me with a letter to contact the following credit bureaus XXXX XXXX Transunion XXXX and XXXX that they furnished this inaccurate data. At that time I filed disputes with XXXX, XXXX, and TRANSUION on XX/XX/XXXX, I also forwarded them a copy of the letter that was furnished to me by XXXX XXXX proving that these accounts had been deleted. In my dispute to these credit bureaus I requested that these accounts be deleted because the data furnisher company that had provided them with this inaccurate data had deleted these account that they were reporting on my consumer report. On XX/XX/XXXX and I received my Transunion credit report file number XXXX and my XXXX credit report file number XXXX saying that there investigation was done and the results were that the creditor updated this information. How could this be when I have XXXX letters from the data furnisher stating these accounts have been deleted.. Please investigate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time I am sending a complaint for inaccurate information reported on my credit file. You did respond but you did not investigate the information I disputed for the XXXX time. You responded that my address, ssn, and case # was correct. I did not dispute that information at all. Did you read what I disputed? Did you actually do an investigation? 

Now what I am disputing is the accuracy of the court name and the county of the court. The information is still not accurate. THE NAME OF THE COURT AND THE COUNTY OF THE COURT IS INACCURATE. Now I know I have a right as a consumer to accurate information on my credit file and for reinvestigation. This inaccurate information you are reporting is hurting my ability to obtain credit. Now I wonder if you actually did an investigation or not. You said you got this information from XXXX but did you actually check it? Did you even look into the information or did you quickly label it as accurate/verified? 

I am sending the same letter I sent you before with all of my information and the response you gave me that DID NOT ANSWER MY DISPUTE. YOU just randomly answered something I did not dispute. 
I AM NOT ASKING YOU IF MY ADDRESS, SSN #, AND CASE # are correct. 

By law you I have a right to reinvestigation and accurate credit reporting.
Product: Debt collection

We called IQ data international about a report on XXXX XXXX credit. The court documents we have regarding the debt owed did not match what the collector was saying, call got disconnected before we could agree to a settlement amount. upon further consideration we wanted to confirm the amounts were accurate before paying almost 5k and the collector then became irate, would not let us finish, refused to send us any type of validation for debt, said we could just negatively let it hit our credit, after mutliple conversations with my wife they then told her they wouldn't speak to her because it " wasnt her debt '' and screamed at the phone that they " renig '' theyre offer and to have XXXX call. We made attempts to validate this debt and they refused. The minute we questioned the validity of this debt and wanted proof in writing they because absolutely Irate. my wife never gave them permission to call her cell today XXXX and they did for the debt but then when she had a question they refused to talk to her.
Product: Money transfer, virtual currency, or money service

In XX/XX/2018, UMB Bank was the custodian of my health savings account ( HSA ) and I asked that my funds be transferred to a new custodian. UMB Bank did not disclose that they were planning on taking {$25.00} from my HSA as a " fee ''. I contacted UMB Bank to request a refund for the {$25.00} they appropriated and they said that what they were doing was customary and they would not refund the " fee ''. I asked them if it was customary to charge an undisclosed " fee '' to customers. They responded with the following non-sequitur : we can provide a copy of a transfer form which mentions the fee. They also said that they had disclosed the fee to " XXXX XXXX XXXX '' which was briefly ( i.e., for a few weeks ) my HSA administrator.  When I asked UMB to provide a record of that disclosure they said they would not do so since " XXXX XXXX XXXX '' was their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX  day late report with XXXX and Equifax. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Product: Checking or savings account

On XX/XX/2019 I noticed funds had transferred from my checking account to my savings account which caused my account to go into the negative. Once I noticed the transaction which caused my account to go into the negative, I immediately transferred money from my savings account to my checking account to bring it back positive. Everything was fine until the next day, I confirmed I was still charged an overdraft fee. When I attempted to resolve the issue w/ a customer service representative with the bank, I was treated in an unfair and deceptive manner. What should have been a 5 minute call turned into 30 minutes as the representative was trying to have me pay half of the fee even though I brought my account into the positive and kept placing me on unnecessary holds. He refused to put a supervisor on the phone multiple times and continued to try and lecture me on why BBVA banks billing/fee practice were better than other banks. In the end he refused to end the call and wanted confirmation that what he did was ok. I felt the need to present this complaint as I hope no one else has to deal with what I had to today.
Product: Mortgage

My home was refinanced by XXXX Bank in XXXX. Mortgage was sold to Nationstar. In the original contract it said when my mortgage reach 78 % the PMI would be removed automatically without an appraisal. I have sent them a request of a letter that was given to me from XXXX Bank to follow to at the appropriate time. I have also tried talking to them. All they want me to do is re-fi with them to remove the PMI. I refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of times and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.