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

I did not provide TransUnion with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company with consent to share my credit card ( ID, SSN, etc ) with another entity ( TransUnion ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that Equifax, XXXX and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from Equifax, XXXX and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.
Product: Mortgage

On XXXX XXXX, 2015 I faxed Chase and sent certified mail a " Qualified Written Request ''. On XXXX XXXX, 2015 I received a package from Chase that contained and account history that had XXXX items listed " NO XXXX '' even though I was being charged various amounts and Truth and Lending Statement that did not have my signature nor my husband signature on it. I called Chase on XXXX XXXX, 2015 and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to find out, what am I paying for under the items on my detailed account history listed as " NO XXXX '', why the Truth and Lending did not have our signatures on it and why Chase opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 which none of the above Representives could answer. During this time Chase kept reporting to XXXX which is against the law under Fair Debt Collection Practices Act and RESPA. I then sent them another " qualified written request '' on XXXX XXXX, 2015 certified mail. In XXXX I did receive several letters from Chase requesting more time and then on XXXX XXXX, 2015 I sent Chase a Letter of Denial for Extension under RESPA. On XXXX XXXX, 2015 I received a copy of my " qualified written response '' ( with no response just the copy of my letter ) and a copy of the written notes on my account. I can prove that Chase has fabricated half of the notes as I have all the actual recordings to these dates. Unfortunately your programs will not allow me to attach voice recordings but I will mail in the disc. Chase has written me that information on the origination of the loan, accounting and servicing fees, debits and credits, Mortgage and assignments, Attorneys fees, suspense and unapplied accounts, property inspection fees and servicing related questions are propriety or unavailable, and will not be provided. How can I pay Chase when they can not provide proof that they own my loan. Chase has also opened XXXX accounts in my name on XXXX XXXX, 2015 and XXXX XXXX, 2015 and they can not tell me why. What they are doing is criminal under the fair debt collection practices act and RESPA. I know that the CFPB do not represent the consumer but they must be stopped. How many other people are they doing this too. Please make them accountable for the same laws that we have to follow and there punishment should be the same as ours the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did contact the Capital One for the XXXX time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXXXXXX XXXX duration of call XXXX min, spoke with XXXX XXXX of the supervisor, I asked again to please remove the XXXX late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the inquiry made by UNIVERSAL CREDIT SERVICE ( Miscellaneous ) XX/XX/2021 2021
Product: Checking or savings account

XXXX XXXX. XXXX XXXX. XXXX XXXX, at Wells Fargo, is a part of the problem the world is the way it is. 

Well Fargo has an internal policy, that lines up with XXXX XXXX app to purposefully delay the posting to an account to create fees on both sides as they point to one another as the cause. 

I personally don't care to dig through red tampon tape as my business partners bleed me. Like XXXX. 

So, When I called to fix it, they gave me a breakdown of my transactions. As if that's not why I'm calling. 

Then, XXXXXXXX XXXX XXXX became hostile. Screaming and yelling, but she is the Consumer Advocate? How? 

Regardless, Wells Fargo explicitly allowed me to enroll on overdraft protection, only to ake sure I overdraft and have to use the protections " offered. '' Its a ponzi scheme, set in timetables of due dates on wires and funds, and most of the time they target people they know wont fight them on the fee. I'm not that person. 

WF protection program entitled me to up to the date news on my disputes as well as, what I understood in the terms, a good faith promise to investigate a dispute within the wheelhouse of the program. 

Today, XXXX refused to take my fee dispute against XXXX. Initially, she offered to transfer me to claims, then she said she didn't have anyone, then she said she could look into it, then she said what I was looking for, then proceeded to deny ever offering me a chance to speak with claims. It was a runaround. I just got off their recorded line maybe 10 minutes ago. 

Additionally, with regards to the XXXX claim, worth XXXX. The protection program states it will keep you updated on disputes throughout the process. When I submitted the XXXX dispute, on the same day, I submitted an Audible dispute with the exact same claims and underlying basis for the claim. 

Unclear Terms and Conditions. 
I did not sign up for this, based on those terms, I understood x, but they only mentioned y. 

This line of reasoning entitled me to XXXX bucks back from XXXX. 
But from XXXX, it lost out on the same day? Exact same baseline facts? Exact same underlying issues. Except XXXX is up and coming and they don't want to risk it. 

Regardless, you notice the problem with the fact set? I'm only mentioned as the person doing th eleg work to make the protection program, protect me? 

They refused to investigate Refused to update Did not exercise good faith Have inconsistent XXXX or Timetables are weighted towards overdraft Case in point, WF and XXXX are in bed together and consumers are paying for the hotel room.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Collection 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.

In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.

Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. 

Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven XX/XX/year>. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my XXXX accounts paid in full and closed.
Product: Mortgage

My home loan mortgage was modified due to TILA violations by XXXX XXXX XXXX. The loan came with {$1000.00} per year principal incentive for 5 years provided I was timely in my payments. The XXXX {$1000.00} credit was issued by XXXX XXXX in XXXX XXXX the 1st year anniversary of my modification. The loan went from SLS to XXXX XXXX in XXXX. In late XXXX the loan went to Bank of America. In XXXX XXXX I contacted BOA by telephone and through the messaging Center about the missed {$1000.00} credit to principal. To date it remains uncredited. There response was they do n't have any documents that explain such a credit. I faxed those documents to them and requested they send me a copy of what documents they do have from the transfer from XXXX XXXX to BOA. I got no response and no credit. The transfer of the loan to BOA has been a mess from the start. I want my credit and an apology for having to work so hard for something that was agreed to in writing in XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a copy of my credit report and noticed that there are accounts listed fraudulently. I have filed a police report for Identity theft and a FTC complaint as well. I do not know how these companies got my non public information and now they are furnishing inaccurate information. This has caused extreme damage to my overall creditworthiness. Here are the accounts I am referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts are verified and I want them removed immediately
Product: Debt collection

Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan from Title max. Nobody told me the interest rates they was charging was very predatory. I got a loan of about XXXX on XXXX. Between XX/XX/XXXX to XX/XX/XXXX i have paid XXXX. Title max is demanding another XXXX so in total a loan of XXXX is costing me XXXX. I don't know what kind of interest rate this is because I was not told & if I was told I wouldn't get such predatory loan. I had to check my application again & nowhere it states what interest rate they will charge. This is predatory & unacceptable.
Product: Money transfer, virtual currency, or money service

PayPal is " riding the float '' i.e. dragging payments out so they can generate more interest income. I requested a check from PayPal for the {$920.00} remaining in my account. After 22 days no check had arrived so I reached out to PayPal but they had no idea if the check had even been sent. I asked them to re-issue a new check immediately but they said their " concerned team would need 72 hours to investigate and then they will get back to me ''. In other words, I might hear from them next week if I'm lucky.
Product: Debt collection

I have disputed the validity of this alleged debt. I have not now nor have I ever been in contract with AMSHER COLLECTION SERVICES Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking AMSHER COLLECTION SERVICES to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand AMSHER COLLECTION SERVICES to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so
Product: Credit reporting or other personal consumer reports

More than XXXX months ago, XX/XX/year>, my request for a copy of my free Equifax credit file disclosure was received by the Annual Credit Report Request Service at XXXX XXXX XXXX, XXXX, GA XXXX, as confirmed by XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite this confirmation, I have not yet received my Equifax credit file disclosure.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document
Product: Debt collection

Between XXXX and XXXX of XXXX, Midland Credit Management Company ( MCMC ) sued me in court for roughly {$4800.00} dollars ( this is an account that they purchased ). As a result of them suing me, my paycheck was garnished for six months in the amount of {$2000.00}. After six months, I noticed that the MCMC account had not been updated, so I disputed the discrepancy with the credit bureaus. Unfortunately, the account came back verified and still owing the {$4800.00} dollars. I continued to check my credit report and dispute for 10 months and MCMC claimed that I owed the {$4800.00} plus interest. 

In XXXX of XXXX, I contacted MCMC to ask about the {$2000.00} that was garnished from my paycheck. MCMC claimed that they never received the check from my payroll department. 

After contacting my payroll department, an investigation was completed and a copy of the check was sent to me. 

Again, I checked my credit report and there still was no change to the balance. So I looked at the MCMC website and it stated that I owed {$5200.00} dollars. 

I called XXXX, in XX/XX/XXXX, to ask about the check and why it had not been added to my account and again they stated that the check was not received. I told them I had a copy of the check and after further analyzing the copy of the check it was found that the check was cashed on XX/XX/XXXX by MCMC and never added to my account. 

As of today, XX/XX/XXXX, I have looked at my account and reached out to them and they still have not located the funds that they took from me and did not add to my account. 

They have withheld these funds from my account for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. 

Account : XXXX, XXXX Thanks, XXXX
Product: Debt collection

I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.
Product: Checking or savings account

On XX/XX/2020 there were 6 unauthorized transactions cash withdrawals from my bank account. Each one for XXXX totaling {$640.00}. I immediately called in the morning when I noticed and disputed the charges as fraud. I was told that Citibank would provide the provisional credit while I waited. There was no credit. A charge posted that caused an overdraft fee of {$34.00} on XX/XX/2020. I called and they told me there was nothing I could do at this time. 

This has made me write a complaint because as of today there is no credit back to my account for the unauthorized charges, and on top of that I was charged XXXX for a returned item fee.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent challenges I am facing in removing fraudulent items from my credit file. Despite multiple attempts to rectify this issue, the fraudulent entries remain, adversely impacting my creditworthiness. 

As outlined in my initial complaint, I reported unauthorized and fraudulent items on my credit file to XXXX Credit BureauS. Subsequent to that, I have made additional attempts to dispute and rectify these inaccuracies. However, to my dismay, the fraudulent items persist on my credit file, causing ongoing distress and financial implications. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also a source of great frustration. 

I kindly request that you escalate this matter and conduct a comprehensive investigation into the fraudulent items on my credit file. I have consistently provided all necessary documentation and information to support my claim, and I believe that the resolution of this matter is long overdue. 

It is my expectation that XXXX Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue, and I insist on receiving a specific timeline for the removal of the fraudulent items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : 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.