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

I have disputed the information with XXXX in regards to an account in collections. as of XX/XX/23 XXXX XXXX XXXX purchased the debt from XXXX XXXX XXXX  XXXX. on XXXX {$1400.00}. I have disputed online and through us mail that this account has never been mine and is a result of fraud and identity theft. The comments state it was disputed but it meets the requirement of the FCRA which if they did any investigation, is a lie. Again this account has never belonged to me. Id also like to report Transunion for my accounts in collection which i cant specify currently because I am unable to view my credit report due to the fraud alert I had placed on my account for the same reasoning. These accounts do not belong to me, also in regards to the hard inquires that were not authorized by myself need to be removed. The only hard inquiry that I authorized is for XXXX XXXX. Please remove the fraudulent collections accounts and the hard inquires ASAP. I am unable to get any financial assistance because of these, which I am in dire need of. Thank you for youre time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im submitting this complaint without error or influence of any third party agency. Please see the attached documentation as it contains my request.
Product: Mortgage

I've payed my mortgage by phone for the year XXXX, after each payment processed through their automated system, a confirmation number is given. On XX/XX/XXXX I made my normal required mortgage payment and received my confirmation number. On XX/XX/XXXX while attempting to make my payment, I was informed that XXXXXXXX XXXX was late because they had not received XXXXXXXX XXXX payment. At this point, I requested through their automated system to speak to a live processing XXXX XXXX rep from XXXX named XXXX explained and confirmed that my XXXX payment was received on time and that all late fees had been reversed, the company admitted, it was their fault due to a new system they had implemented and all of the kinks had not been straighten out. She asked if I wanted to make my XXXX & XXXX payment on the phone with her, and was I prepared to pay for both months? I said yes, XXXX processed XXXXXXXX XXXX  payment once again, along with XXXXXXXX XXXX payment. After processing both payments, I was given a confirmation number. Fast forward to XX/XX/XXXX, I received a letter from Mr Cooper informing me that my mortgage is now XXXX XXXX past due and my loan is currently in default. This mortgage company needs to be investigated, as an XXXX XXXX XXXXXXXX XXXX I'm stressed and very confused regarding this matter, so any help your agency can provide would be greatly appreciated.
Product: Checking or savings account

To whom it may concern : What happened was, an ex boyfriend of mine stole a checkbook of mine ( who owns his own business, has kids is a XXXX XXXX and what I thought not a bad guy ) and wrote 7 checks with a total of {$10000.00}. I filed a police report. The bank verified it was not my signature on any of the check and even verified the Business Account he wrote the checks under " XXXX XXXX XXXX. '' They verified where the checks were deposited. 

Chase then blamed me for not " exercising extraordinary care of protecting my checkbook '' and have denied all claims. 

I have banked with Chase bank since 1994. 

You would think the police report, the printed checks, and all the other evidence they had would be enough. 

Now I have an official letter stating they are denying thing claim. 

I need your help. 

You may contact me anytime on my cell phone XXXX. 

Thank you so much for any help you can offer!
Product: Vehicle loan or lease

I have a friend who bought a car, but I put it in my name. She bought it in XX/XX/year> and began making payments of {$350.00} per month to American Credit Assistance in XXXX. She continued to pay every month through XXXX. On XX/XX/XXXX, the car was repossessed. She called ACA in XXXX and they said that they had not received any payments except in XXXX. That didn't make any sense since she paid every month. So she found two receipts from the money orders she was using and found out that the corresponding money orders had been cashed. 

Then I called ACA and they gave me the same story that they gave her. The car cost {$13000.00}. ACA is demanding that I pay the remaining {$10000.00}. So that shows that they received {$2600.00}. And the payments that were made total {$1700.00}. This shows that they did receive some of the payments. I don't know why they are saying they did not receive any payments except one.
Product: Debt collection

I XXXX XXXX XXXX a federally protected consumer was sent a collection notice from GC SERVICES LIMITED PARTNERSHIP on XX/XX/XXXX XXXX. GC SERVICES LIMITED PARTNERSHIP has violated federal law when they a debt collector sent a bill to my home saying that I owed them {$11000.00}. They violated my consumer rights right there pursuant 15 USC 1692b. They also violated 15 USC 1692b ( 5 ) 2 TIMES, 15 USC 1692B ( 2 ) and 15 USC 1692c ( by sending the letter to my home ). There was no proof in the letter that said alleged debt was owed, no contract with my signature on it, just some nonsense about XXXX, XXXX was the original creditor but according to congress I am the original creditor so how can XXXX, XXXX claim this? What is happening here is fraud!
Product: Credit card or prepaid card

This company closed a line of credit. They ignored all of my communications asking for information regarding the account. Numerous letters.They also keep sending me bills with positive balances which is misleading. This account is hurting me and my family from succeeding in life. I reach out to them via phone and have yet to hear anything from them. Can you please assist me with resolution?
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, I received an email from the address XXXX advertising a research assistantship position for the XXXX XXXX XXXX  XXXX working under XXXX XXXX XXXX at XXXXXXXX XXXX. The position was offering {$300.00} pay per week for 7 hours of commitment. 

I had sent a message to the number provided and reached out to the individual who I had assumed was XXXX XXXX. The individual briefly restated the position offering and the tasks I would be in charge of. They asked for my resume which I sent over, the resume included my full name, contact information, and home address. After reviewing my resume they asked me to search for the prices of the office supplies that would be needed for the position, which included the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX self-inking date stamp After searching on XXXX the total amount of the office supplies came out to be {$1700.00}. I was directed to get back to the individual with the estimated cost. Once I sent over the estimate they instructed me to provide an additional email and they would send over a check for the costs of the supplies. From there I printed the check and proceeded with a mobile deposit per their instructions, the check was for {$1700.00}. The check came up as pending and the funds would appear the following day. The individual proceeded to ask me to purchase the office supplies from a vendor they has already contracted with the materials but I made clear I was not comfortable with using my personal finances to purchase the materials and would wait until the next day for the check to come through. The next day the check has shown up as cleared in my account and the funds were available to me for use. Since the hiring process moved so quickly I had yet to meet with who I thought was XXXX XXXX so I requested that we meet over XXXX to discuss the position a little more and to have an opportunity to ask questions. The individual grew hostile and proceeded to say they had no time to meet and were too busy to meet over XXXX. I still insisted that we meet over XXXX since I knew it would be helpful to get more information about the position and meet at least virtually the professor I would be working with. They grew even more hostile and stated that they had no time and that they did not work with students who had " trust issues ''. After this, I communicated that I was no longer comfortable with taking the position and asked them if they would prefer me to send the money back through a check form, Zelle of XXXX. They opted for Zelle and I proceeded to send back the {$1700.00} that was originally sent to me. The next day I checked my account and saw that it was in overdraft for {$1500.00}. I immediately contacted my bank after realizing this was an incident of fraud and put my account of freeze and submitted a claim with them. I also filed a police report with my university public safety officials. Nothing has been resolved as of today, it has been devastating to my financial stability.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX When I looked at my Equifax credit report on Juin XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was with XXXX for about 16 months and the sold my loan to XXXX XXXX, XXXX. XXXX told Specialized that I was 2 months late. When I contacted XXXX they sent me a 2 year pymnt. history. It shows no late payments, and all was made. They informed me it was not there problem since they sold the loan. I then called Specialized where they are not getting it fixed. They told me to wait till mid XXXX but they have my house in foreclosure statues. I have prove that all payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A NEGATIVE ENTRY WAS MADE TO MY CREDIT REPORT BY EXPERIAN, I SINCE DISPUTED THIS CLAIM AS I DO NOT KNOW NOR HAVE A CLUE OF THE COMPANY OR ITS EXISTENCE OR WHAT I HAVE MIGHT HAVE DONE TO OWE THEM MONIES. EXPERIAN COMES BACK TELLING ME THE REPORT WILL REMAIN OR I MIGHT PROVIODE MORE DOCUMENTS WHICH I BELIEVE IT IS THEM OR THE COMPANY IN QUESTION TO PROVIDE NOT ME. I HAVE A PRETTY GOOD CREDIT REPORT AND HAVE NO CLUE WHAT THIS MONIES REPRESENT
Product: Credit card or prepaid card

I was approved for a Chase Amazon Rewards card on XX/XX/2020. Several days later, I called to have an authorized user card for my girlfriend sent to an additional address. Instead of helping me with my request, a fraud executive named XXXX immediately placed my account under review. They refused to even accept my card number after asking me because they had already clicked onto the next menu. They said someone would call me back within 24-48 hours. 

No one called me back for more than a week. My card was not accessible to make purchases even after I received it in the mail. After waiting a week, I began calling Chase customer service in order to access my account. I was continuously hung up on. One person asked to speak with me, as if I was someone else, referring to them as " her, '' even though I had already stated that was my legal name 3 times. This is because I am trans and my voice does not sound like what they expected from someone with my legal name. Finally, on XX/XX/XXXX, the first day of XXXX XXXX, I called several more times, was hung up on again, and finally got someone who did not hang up on me. They instructed me to be honest about my legal name after I stated it several times. Then they informed me that my account was under review by a back department that is not front-facing and that I can not reach them. They refused to provide any further information. Shortly after that call, my card, which I never had the opportunity to use, finally disappeared from my Chase mobile app. Meanwhile, the card still shows up on my credit report in good standing - despite being inaccessible to me ever since it was approved more than 2 weeks ago. 

I do not deserve to be chided, discriminated against, and accused of lying because of my body or my gender. Moreover, I have a perfect credit file with no late payments or derogatory marks. There is no cause for adverse action against my account. Thank you for allowing your staff to degrade me and deactivate my account without cause during the first day of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. XXXX XXXX XXXX ( Account XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States that 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive found unauthorized hard inquiries on my credit report that are harming my score. Please delete these, as specified by 15 USC 1681b ( c ) ( 2 ).
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau Team, I hope this email finds you well, and I want to begin by expressing my appreciation for the invaluable work your organization does in protecting consumers like me. Its reassuring to know that there is a dedicated team ensuring fairness and accuracy in the financial industry. 

I am reaching out regarding an issue I have encountered with my TransUnion credit report. I recently discovered that my date of birth is inaccurately listed as XXXX, making me appear XXXX XXXX XXXX, when in fact, I was born in XXXX and am currently XXXX XXXX XXXX. 

While I understand that TransUnion handles large amounts of data and occasional errors can occur, I have been unsuccessful in my attempts to resolve this issue directly with them. Despite providing documentation that verifies my correct date of birth, they informed me that they are unable to make the necessary correction.

This error, though it may seem minor, has the potential to create significant challenges for me, including difficulties with identity verification, financial applications, and maintaining an accurate credit profile. I value the integrity of my credit report and wish to address this matter promptly. 

I kindly request your assistance in facilitating a resolution with TransUnion. I have attached copies of my government-issued ID and other supporting documents to verify my correct date of birth for your review. 

I deeply respect the role TransUnion plays in providing reliable credit information, and my intention is simply to work collaboratively to correct this discrepancy. I am confident that, with your guidance, this issue can be resolved efficiently. 

Thank you again for the vital work you do to advocate for consumers. I look forward to hearing from you and am happy to provide any additional information if needed. 

Warm regards, XXXX XXXX [ XXXX ] XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX acct # XXXX The items is matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX. I detailed the violations to my consumer report and attached copies of all dispute letters. According to the Fair Credit Reporting Act and U.S. Code 1681e ( b ) and 1681i ( 5 ), these accounts must report accurately.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX - XXXX
Product: Debt collection

Never received correspondence from XXXX, XXXX XXXX? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from Fenton law firm asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called Fenton to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Visa / XX/XX/XXXX reported to Transunion that a payment from XX/XX/XXXX was reported late. This is inaccurate information. A payment from XX/XX/XXXX was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$40000.00}
Product: Credit card or prepaid card

Purchased a TV through XXXX, TV arrived damaged. Went through the refund process with XXXX. Never received a refund to the original card used to purchase the item. After 30 days of dealing with NCFU they then decided that the matter was resolved when XXXX credited an account I had no previous funds on and claimed that constituted a refund. I have sent all documentation to NFCU, and have obliged all requests to resubmit the same documentation to them. Had this been a XXXX purchase this would have been resolved instantly.
Product: Credit reporting

I have requested my information several times in the past few months. I am unable to get my free annual and on transunion site, they do not allow a credit report without signing up for monitoring, which I believe is illegal. I have some errors on my credit profile and I want the ability to correct them online with transunion