23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted Transunion for the past 5 months in regards to fraudulent accounts listed on my credit report each time i send in the requested information for my dispute they close it without verifying or reviewing any of the information. I know they are not investigating my report as per the law because i sent the same information to XXXX and XXXX and after their investigation the information was promptly removed. The FCRA requires all information listed on a credit report to be verified before reporting the information and Transunion is not doing that. I Disputed the information on XX/XX/23 and the investigation was closed and cancelled by Transunion the same day the confirmation number for the dispute is XXXX. I also did a dispute prior to that on XX/XX/23 and again nothing was done confirmation number is XXXX. If this is not resolved i will be proceeding with ligation.
Product: Credit card

I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XX/XX/XXXX), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed my XXXX credit report noticed a collections account from Credit Collections for an amount of {$150.00}. I called them and was advised that XXXX XXXX casualty co sent an account to them for collection. I called XXXX and was told I do not have any outstanding balance with them and they could not assist me. I spoke with a credit attorney and was told Credit Collections is not licensed in the State of Delaware to collect any debts. This collection agency is reporting inaccurate information on my credit report and they are not licensed in my State of Delaware to do so.
Product: Checking or savings account

On XX/XX/2021, I spoke with a claim representative at Wells Fargo to finalize a dispute for an unauthorized charge totaling {$35.00}. The claim representative was extremely rude and disconnected the call prior to resolving my concern. This is unacceptable. I spoke with Wells Fargo to attempt to resolve the situation and they were unable to locate the name of the representative that disconnected the call. Also, they refused to provide me with a provisional credit.
Product: Debt collection

Keynote Consulting is attempting to collect a debt that is not owed for XXXX XXXX, whom I am also filing a complaint against. In XX/XX/XXXX, Keynote Consulting had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of XXXX XXXX for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the XXXX payments on an item that was not only paid off, but also returned. Not only was the original account with XXXX XXXX closed in XX/XX/XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ XXXX XXXX XXXX XXXX XXXX XXXX ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ XXXX XXXX XXXX ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  SSN- XXXX Email- XXXX Phone- XXXX DOB - XX/XX/XXXX ACCOUNTS THAT NEED TO BE REMOVED ARE BELOW XXXX XXXX - XX/XX/XXXX {$890.00}
Product: Debt collection

I had three accounts with LVNV Funding LLC ( XXXX XXXX ) that were all charged off in XXXXXXXX XXXX XXXXXXXX. The debts were settled with a collection law firm starting in XXXXXXXX XXXX XXXXXXXX and there was a monthly deduction for all three accounts from my checking account and in XXXXXXXX XXXX XXXXXXXX the debt was sold to another collection law firm. I was able to establish the same monthly agreement with them and they had told me that XXXXXXXX XXXX XXXXXXXX would be my last payment and they considered the debt settled and paid. When I requested a settlement letter I was told it had been mailed but i never received it and when I called back their phone number was not in service. In XXXX Resurgent purchased the balance of the debt. I had asked for a validation of debt which I never received. After that and them contacting me non stop after I had verbally given them a cease and assist and now they have contacted their law firm who is taking me to court on XX/XX/XXXX in XXXX XXXX XXXX Florida for the balance of one of the three accounts that was already settled and paid. I am beside my self. I just received the summons.
Product: Credit card or prepaid card

Applied for a pre-order qualification with Indigo Master card, they did a hard pull on my credit report without my permission, it was only supposed to be a pre-qualify, as advertised. I called the co! pant and told them I didn't accept an offer, that was supposed to be a pre qualify. They said I did the pre qualify I applied for the card I said I did not accept or decline an offer it just went straight to applying not pre qualify. They said they would cancel the application but, that it would show up on my credit report as an closed account, and that they will not remove the hard inquiry, or not list the card on my credit report as a closed account, which I disagreed with. They won't help me I spoke to a manager they will not remove anything, they just asked me if I'm sure I don't want to get the card, I said I don't want the card and the the company is deceptive. It says you can pre qualify with no harm to your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn credit corporation {$820.00} that is electric bill when I live in Maryland also never send me a final bill and its imposible Im apartment electric bill is in {$820.00} also still in my credit report and I dont have job now and also in Maryland because Im this date born my new baby .and I try to dispute por inaccurate balance is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulents account. Thank You. 
XXXX XXXX  XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX  XX/XX/year> EXPERIAN XXXX XXXX  XX/XX/year> EXPERIAN
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 Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX ** has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Solo Funds profited off my loans as a borrower by deceit and trickery. I am owed {$1700.00} because of this.
Product: Checking or savings account

An offer was mailed to me for {$300.00} to open a new checking account at Bank of America. The letter had someone else 's name on it but I thought it would still work for me since it was mailed to my address. The branch manager XXXX XXXX opened the account for me on Monday, XX/XX/XXXX. She explained when I would get the money and led me to believe that this offer is valid for me. I left the branch after she did everything to open my account, including ordering me a debit card. About a half hour later, after the branch had closed, she left me a voicemail to call her. I called her back and she was quite rude and discourteous to me. She said that I read the letter wrong and that she didn't mislead me. The letter says " XXXX XXXX XXXX, this offer is only for you! '' but the text is not enlarged or conspicuous enough to make me think that this is an exclusive offer for XXXX. It seems like some junk mail that could apply to anyone. I wish that XXXX had caught this error and stopped the account from being opened. 

I called customer support that day and filed my first complaint. The representative said that Bank of America might be able to offer me something similar but it might not be {$300.00}. I didn't get a call back within 24-48 hours like I was told on Monday, so I called the company on Wednesday and was on the phone with someone for an hour. He filed another complaint for me because the first complaint I filed didn't include that XXXX made a mistake, which I had clearly described on Monday. The representative gave me XXXX XXXX manager 's phone number. Her manager XXXX said this offer doesn't apply to me and wouldn't give me a different offer. I closed my account that day on Wednesday, XX/XX/XXXX.
Product: Debt collection

True ACCORD sent an email stating that I owed ( which was the wrong person at the wrong address ) an amount for {$560.00} on Thursday XX/XX/XXXX XXXX. They accused me of living at XXXX XXXX XXXX XXXX XXXX, LA XXXX and that my name was XXXX XXXX. I am also contacting the attorney general. The debt was purchased and claimed it was owned in XXXX. 

I understand they most likely did a skip-tracing procedure and found the wrong person. My name is NOT XXXX XXXX, and I have NEVER lived at the address listed above. This is identity theft. I will be filing charges against XXXX, as long as the Ohio attorney General allows me to, for false credit reporting and misrepresentation of validation of a debt NOT OWED. 

I have included screen shots. Thank you XXXX I have already filed with the XXXX...
Product: Mortgage

I PUT MYSELF INTO A DEFERRMENT BACK IN XXXX WHEN COVID HIT. IT TOOK MY FIRST 3 MONTHS AND THEN ASKED TO BE REMOVED FROM DEFERMENT. THEY KEPT TELLING ME NO. MY ONLY OPTION WAS TO PAY THE {$XXXX} DUE ( WHICH I DID NOT HAVE ) OR ASK FOR ANOTHER DEFERRMENT. THIS KEPT HAPPENING UNTIL THE PAYMENT DUE WAS {$XXXX}. AT THIS TIME THEY FINALLY FINALLY APPROVED MY COMING OUT OF DEFERMENT AND TOLD ME THAT I NEEDED TO MAKE 3 TRIAL PAYMENTS AND SIGN/NOTARIZE DOCUMENTATION. I DID THIS. MY 3RD PAYMENT WAS DUE XX/XX/XXXX. AT THIS TIME THEY TOLD ME THAT I NEEDED TO SIGN/NOTARIZE ANOTHER SET OF DOCUMENTS. AS OF NOW, XX/XX/XXXX, THIS DOCUMENTATION HAS NEVER COME. I WAITED 3 WEEKS FOR AN APPOINTMENT WITH A RELATIONSHIP MANAGER ON XXXX AND TOLD HIM THAT I NEVER GOT MORE DOCUMENTATION. HE TOLD ME IT'S OK- I DON'T NEED TO SIGN MORE DOCUMENTATION AND IT WOULD BE FINALIZED NEXT WEEK ( WHICH IS THIS WEEK ) AND TO CALL. I'M ON THE PHONE WITH THEM NOW AND THEY'RE SAYING THAT MY MODIFACATION IS NOW DENIED BECAUSE i DIDN'T SEND BACK THE PAPERWORK ( THAT NEVER CAME ). THEY HAVE ALSO MADE IT NEAR IMPOSSIBLE TO MAKE MY PAYMENTS NOW - THEY HAVE TO BE SPECIFICALLY MAILED. I'M NOT IN DANGER OF HAVING AN 18 MONTH LATE PAYMNT ON MY CREDIT REPORT. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

Hello, Hope all is well to whomever reaches this email. This is my statement and appeal on not being satisfied with the outcome of my dispute. This XXXX XXXX bank card was opened by an ex partner of mine, who lived with me, and who had my login information for my account. It was a XXXX  XXXX relationship, and after we had parted from one another, he opened up a XXXX XXXX credit card account without my authorization with my information. He then transferred money from my checking account to pay for this credit card. 

When I spoke to XXXX XXXX about this, they said that they could not remove it because it was opened online. Anyone can open up an account online if they know your information. I agreed to pay {$130.00} upon removing this from my file, just to settle this once and for all because they mentioned that they would delete this from my credit report in XXXX of XXXX, and I had made this payment in XXXX of XXXX. 

Because they did not Delete this from my report I had to file another police report as well as a new FTC report. I do not know what they are gaining from this when I have already filed everything that needed to be filed to get this removed. I want them to remove this as they promised, especially since i did not do this or have shown me any evidence that i physically opened this, only that my ex partner opened it up online. 

Thank you!
Product: Money transfer, virtual currency, or money service

XXXX XXXX collects donations for my team. PNC Bank is not allowing the transfer to my team 's account.
Product: Debt collection

World Finance Corporation continues to allege I owe a debt that I do not. The debt has been canceled and reported to the IRS as income. Since this is now income it can not be reported to the credit bureaus. World Finance Corporation is engaged in securities fraud per their sec filing their transfer agent is XXXX which transferred my security deposited it for profits and World Finance Corporation failed to disclose the contract is the security that is being used to trade for profits. According to their sec filing submitted to the SEC the debt incurred by consumers are backed by insurance in case of default so World Finance Corporation never incurs a loss. I have attached their 10-K form that outlines their security and business practices.
Product: Credit card

I MADE A ONLINE PURCHASE FOR XXXX AND I CANCELLED THE ORDER I USED PAYPAL THE REFUND WAS ISSUED ON XXXX XXXX THEN PAYPAL WITHDREW THE FUNDS BACK ON XX/XX/XXXX THE AMOUNT IS {$170.00} I'VE REACHED OUT TO PAYPAL SEVERAL TIMES TO NO AVAIL.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit reports accounts as well as inquiries please assist I have been going over this over and over again. See attached for more information.
Product: Credit reporting or other personal consumer reports

ive been trying to retrieve my credit report from experian and also using XXXX which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX XXXX