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

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Debt collection

I was called on XX/XX/XXXX by XXXX from XXXX XXXX XXXX claiming I had a debt with Wells Fargo from XXXX, however ; not such debt existed. She told me if I didnt pay I would have my wages garnished and go to court. I called Wells Fargo and was told they had no file of an owed debt. XXXX XXXX XXXX called me on XX/XX/XXXX claiming I still had the debt and needed to pay they refused to send me the notification letter in the mail but sent XXXX via email. I spoke with XXXX XXXX and she sent the letter to my email and stated on the phone they acquired my account on XX/XX/XXXX, I called Wells Fargo again and confirmed they had no debt or file pertaining to me. I received a voicemail on XX/XX/XXXX from XXXX from XXXX XXXX remediation claiming if I didnt pay today XX/XX/XXXX they would sue me and garnish my wages. I had spoken with the local non-emergency police line on XX/XX/XXXX in my area due to trying to file with the local fraud department, however ; there isnt one in my location. In turn they told me this sounded like fraud and on top of that not to answer anymore of their calls.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This LVNV collection opened in XX/XX/2022 with account number XXXX for {$1400.00} found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. These extra inquiries are hurting my ability to apply for credit : Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I went online to make a payment or check my balance in the month of XXXX and saw multiple charges on my credit card for the amount of XXXX XXXXI immediately called them and it was a Sunday and their fraud department was not open.I then called them on The XXXX monday the following day to report the fraud.I got through and I believe his first name was XXXXThey won't provide their last name so I was told.We went though each charge individually.I was online in my account at the same time.They came from a site called XXXX XXXX XXXX.He looked it up and it came from XXXX, XXXX.I would never look in XXXX for anything.He filed the report on XX/XX/XXXX. I got a response in about 5 days from their office out of Ohio and printed the charges with a high lighter and sent the copies to the address the man gave me that day.They said they never got them, so i called the fraud department again. So I remailed the documents again. Now it's about may and nothing has been done.So after to more calls I Quit paying on my card and my card is now closed. This pass week I was in a conference call with the credit card company and to refinance my mortgage to resolving charges.They are still investigating as they said in that conference call.Now it's 9 months later and it still has not been resolved after four calls and two by mail.This all started after a security breach through XXXX who got my identity stolen SSI, address, name ect ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED FOR THESE ITEMS TO BE REMOVED 4 TIMES. the INFORMATION IS NOT REPORTED CORRECTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I found late payments that I would like to remove from my credit report. I have made notification that late payment pertaining to this account is inaccurate and violates 15 USC 1681s-2 ( a ) ( 1 ) ( 8 ). This violates my rights as a consumer. Please remove the late payments.
Product: Debt collection

On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX. 
I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt. 
ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other. 

I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
Product: Debt collection

On or about XXXX a credit was taken out card through XXXX XXXX, I had made payments through Schacter Portnoy LLC, for quite a while ( yeah, I defaulted ) not my proudest moment, one day they had some issues with their system, they were in the process of changing things over with how this was all managed. I called to check on the status, they reflected the payments resolved. ( couldn't find the debt ) seemed like the same thing to me. So fast forward, to XX/XX/XXXX and I am in the middle of closing on a house, and I'm told a judgement needs to be dealt with. So, judgement, what judgement, my lawyer tells me its with XXXX XXXX XXXX, and I call them, they advice that all maters are through Schacter Portnoy LLC. ( XXXX, XXXX and XXXX ). I have been in the process of buying and selling homes for the last 2 years, and nothing has popped up during this process until now. So the date of rendering on the judgement is listed as XX/XX/XXXX but the date listed as the date of filing the judgement is listed as XX/XX/XXXX ... ... What is that all about, how is that even possible? So if all that isn't screwy enough, I did mange to speak to someone reluctantly at XXXX, they didn't want to talk to me about this at all. Yesterday they told me that the last date of payment on file was listed as XXXX, to the best of my knowledge this thing went away in XXXX, maybe XXXX on a stretch. I can tell you with absolute certainty that nothing has been payed as I didn't even know it still existed. Portnoy tells me that I owe them {$5100.00} but they will except {$4300.00} ( mighty nice of them ) but the debt listed on the Judgement ( in my hands now, as of this morning after many phone calls to the county ) is {$6300.00} plus XXXX in costs. {$6400.00}. This only came to light is I was closing on the sale of the house and this is holding it up. So if I pay it, I will never see that money again. If I screw with this to long, it can torpedo my sale. My current credit score is XXXX, I am not a guy that doesn't pay his bills, and why isn't this XXXX issue showing up on my credit, at all? Need your help, something is very very wrong with this whole thing. Oh, and did I mention that XXXX XXXX XXXX seat is in XXXX, where the house is. They judgement was filed in XXXX XXXX New York. The tittle search company also confirmed that this whole thing is shady.
Product: Money transfer, virtual currency, or money service

I transferred money to XXXX to my friend for medicine expenses and its not a first time to send money by western union so they called me from XXXX reporting money on hold for 3 days now by western union I contacted them after they requested a photo id which is I did submitted to them and I dont know why they requested since I am sending the money online, so I called them the next day they put me on hold for about XXXX the representative keep placing me hold then I hanged up, I chatted with them in western union app after a long conversation she said I can not do anything you have to call XXXX, I called them again I provided them with all information needed I still didnt get any answer to my question, why my money transfer still on hold? I got hold on let me check umm no answer so at this moment the money transfer never released till now I dont have any idea about what is going.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation run by XX/XX/XXXXwhich involved me making deposits for a total amount of XXXX XX/XX/XXXX from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Debt collection

Credit Systems International is trying to collect a debt for XXXX XXXX and XXXX, however, XXXX told me that if I stayed on payment plans, which I am, that I would never be sent to collections. XXXX lied which is a violation of the Texas Deceptive Trade Act, Consumer Protection Act. With that being said, this debt should not be in collections. Furthermore, XXXX has never given me any notice that there was a problem or change to my payment plan. 

I'm also being charged for a {$200.00} test that was not completed for me and is an error in billing, but XXXX refuses to assist when I call.
Product: Debt collection

I answered a phone call at XXXX on XX/XX/XXXX, the person on the phone identified himself as XXXX XXXX XXXX He told me that I was being sued and that they were unsuccessful in serving me a court order. When I asked him what I was being sued for, he told me he was unable to tell me and that I needed to call the attorney that was suing me. I did not have a pen to take down the phone # to call at that exact moment, so he called back and left a message with a phone number XXXX, a case # XXXX and the attorney 's name, XXXX XXXX, and said that he was placing my account on a temporary hold to " avoid any legal issues or concerns. '' After retrieving the message, I immediately called the number and provided them with the case number. I was transferred to a woman who identified herself as a paralegal. She then proceeded to try to get me to identify myself again and I told her, " I already gave you that information why are you asking me for that information again? '' She then proceeded to state my name and social security number. And said that I was being sued and that my wages were going to be garnished. I stopped her and asked her what I was being sued for. She stated that XXXX was suing me for an amount in excess of {$44000.00}, to which I told her that she has the wrong person and that that the debt is not mine. I told her to send me the paperwork proving I owe this amount, and she kept stating that she needed me to confirm my social security number to confirm that I owed the debt. I kept telling her that this debt was not mine and she said that they were filing a document to garnish my wages. I recently checked my credit report and there are NO delinquent accounts on my credit report and I have no idea what she was talking about but apparently I'm being sued and my wages will be garnished soon. I called back because I realized, I had no idea what company this was, and I was told the name of the company is DAS ( Direct Answering Solutions ). I could not find any information regarding this company via a XXXX search or the attorney XXXX XXXX.
Product: Checking or savings account

I called today after finally receiving a late replacement card to find I was charged XXXX for a card replacement fee I was never told I was being charged. The agent calling was nasty and rude as XXXX yelling at me and telling me what someone else allegedly told me in a conversation she was not privy to. I was told by direct express corporate office XXXX they were waiving the XXXXXXXX XXXX fee now they went back and charged me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization. I the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. 

XXXX XXXXXXXX XXXX XXXX XXXXOpened/XXXX XXXX XXXXXXXXXXXX XXXX XXXXOpenedXXXX XXXXXXXX XXXX XXXX XXXX-Opened/XXXX XXXX XXXXXXXX XXXXXXXX XXXXOpenedXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXXOpenedXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX-OpenedXXXX XXXXXXXX
Product: Debt collection

they keep on calling my friends telling that they are XXXX court and I have a case and even said they are the pollice officer giving a friend of mine case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax shows tons of inquiries on my credit report. Ive called to have these removed. The inquiries were removed then added back to my report. Ive called them about this issue and keep getting the run around and finally was told that the inquiries would be removed within 30days. There still showing on my report.
Product: Money transfer, virtual currency, or money service

It was with Zelle several years ago. Money was sent but a confirmation as to the correct recipient could not be determine and I essentially had no recourse, and my sensitive financial info may be exposed for anyone to use. I ultimately just started using XXXX primarily from that point to send money to my sons. Now, I've learned this has happened to others as well.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning, and I have no clue how they got there. I always check my credit report regularly, but this time, there were errors that appeared out of the blue. I even tried refreshing my browser, thinking it was just a glitch, but the incorrect accounts stayed. Im deeply concerned and am requesting that the documents I sent be reviewed thoroughly, so I can have peace of mind and not worry about this ever again.
Product: Debt collection

I have authorizes my fiancee to speak on my behalf several times. I lost my job because I kept having to be interrupted at work to verify that they can speak with her. So now that I have no income they called me on a Sunday Morning before XXXX. When I asked what company the woman just gave me her name again and I advised her that I asked for the company name she finally said oh opertun.
Product: Mortgage

I have made complaint to CFPB in 2016 via complaint # XXXX. Because of the Chase Bank fault they forclosed my property some where in 2016. We have filed appeal for the same in appeal court. Let me give you some info from the past. I have investment property located in XXXX, Illinois. Chase bank was the lender. It was a rental property. I was behind in payments, so I was trying to modify my loan with Chase. During that modification Chase bank sold loan to XXXX. I received the letter stating that loan was sold and very next week I received another letter from Chase stating that it was a mistake and the loan is not sold. So I at this point I was submitting the modification papers to Chase and in return I was getting reply from Chase that they have received my modification papers and they will let me know if they need more clarification. In fact that was a mistake on Chase Bank part and they admitted that the loan was sold and the letter they send was a mistake.I short the house was forclosed below market value and now they have put that house for sale at much higher price. Original mortgage was {$100000.00}. House was forclosed at {$79000.00} and rest they put judgement against me. Then I received XXXX XXXX from XXXX and I have to pay Tax on that which I paid in 2016. The judgement of {$38000.00} they gave to collection agency to collect. After the house was sold to XXXX, Chase bank bought it on Sheriff sale. But Chase was denying that they do not own the house.This whole thing is misleading. My question is that if Chase bought houise in sheriff sale then why they are denying and why XXXX sold house. As of today the same house is listed with XXXX XXXX in XXXX and has an pending offer.