23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

When I tried to acquire a home loan in 2018 I was denied due to multiple findings from a company called XXXX who I had never heard of. When I contacted them I was informed that XXXX XXXX had sold my student loan to them without my knowledge. I asked XXXX for proof and was given a billing statement but nothing more. When I mailed them a Validation letter of this debt they continued to mail me a billing statement. I contacted the department of education in XXXX of 2018 and was informed that my loan was with XXXX and not XXXX. I set up a payment arrangement with the government collection and disputed all of XXXX charge offs since they had no proof of my loans to provide me. Each credit bureaus continue to say this was verified but nothing was ever produced from XXXX or the three agencies.
Product: Debt collection

These people will not stop calling my work number. I do not owe a debt to these people and they are harassing me daily. I have filed a complaint with the XXXX. Again, this is my work number and I do not want calls from fake companies that don't identify themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Reporting on My Consumer Report Dear TransUnion Consumer Relations, I am writing to formally complain about the inaccurate reporting of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on my consumer report. As a consumer, I am deeply concerned about the violation of my rights and the breach of privacy associated with these unauthorized entries on my credit report. 

First and foremost, any addition of items to my consumer report requires my explicit written permission, even in cases of permissible purpose. It is crucial to acknowledge that my consent is a mandatory prerequisite for such reporting, especially considering that this information constitutes my non-public personal information, which should be safeguarded at all costs. 

None of the four accounts mentioned above have my explicit written consent, indicating a severe breach of privacy and potential identity fraud. This is not only an infringement on my rights but also a violation of South Carolina law, particularly under the South Carolina Code of Laws : 1. Section 37-20-110 : Prohibits unfair or deceptive acts or practices in consumer transactions.

2. Section 37-20-160 : Regulates the accuracy of consumer credit reports and consumer reporting agencies. 

I urge TransUnion to promptly investigate this matter, rectify the inaccuracies on my credit report, and cease the reporting of unauthorized information. Failure to do so may result in legal action to protect my rights and seek appropriate remedies under the specified South Carolina laws.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) : 1. Section 1681e mandates that consumer reporting agencies ensure the accuracy of reported information. 
2. Section 1681b outlines the permissible purposes for accessing consumer reports, and the lack of my written consent for the mentioned accounts constitutes a violation.

3. Section 1681i entitles consumers to dispute inaccurate information on their credit reports, and I hereby dispute the unauthorized entries mentioned. 

I expect TransUnion to adhere to both South Carolina laws and the Fair Credit Reporting Act, taking immediate action to rectify this situation in compliance with federal and state law. 

Please provide a detailed response within 30 days, outlining the steps taken to address this issue. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against Equifax XX/XX/2023 disputing the accuracy of unauthorized and fraudulent inquires, tradeline account information and collection accounts listed on my credit report. Equifax closed my complaint # XXXX attached to this complaint, stating the information has been proven to be XXXX however Equifax has not provided me any evidence to support their claim of FACTUAL information on my credit file. In addition, Equifax has not addressed my complaint about the inaccuracies within my tradeline information nor the collection information on my credit file. 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information that supports Equifax investigation XXXX claiming that the information is FACTUAL. Furthermore, I would like for Equifax to address the inquires, tradeline and information and collection in question as addressed in my previous complaint attached.
Product: Checking or savings account

I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX  and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.
Product: Mortgage

My Complaint is against Veripo Solutions, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe XXXX XXXX XXXXXXXX XXXX and XXXX if they had anything to do with this fraudulent claim. On XX/XX/2022, I was advised by XXXX XXXX XXXX. XXXX that their records reflect that XXXX was the master servicer of the loan. The loan was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ) however, due to the delinquent status of this account, the account was referred to Veripo Solution XXXX XXXX XXXX for handling. XXXX XXXX stated in her letter that they do not service the loan and no longer have a record of the account ; however, in efforts to assist me they reached out to Veripo Solutions. XXXX XXXX from XXXX XXXX stated that Veripo Solution informed her that the increase in the amount owed is due to no payments being made for several years. Veripo Solution is a debt collector not a residential mortgage lender in the state of New Jersey. Since Veripo Solution is a debt collector they do not have authority to hold, transfer/sell a mortgage note. Veripo Solution nor XXXX, XXXX can collect interest rate on a mortgage loan since they are not residential mortgage lenders in the state of New Jersey. XXXX, XXXX 's Complaint stated that XXXX, XXXX was in physical possession of the Note of Mortgage which was allegedly in default for over XXXX ( XXXX ) years. After I filed a Motion to Dismiss counsel for XXXX, XXXX stated that they did not realize that they were not in possession of the physical Note they allegedly bought from XXXX XXXX. However, XXXX XXXX XXXX as servicer does not have custodial responsibility, they did not have any authority per the trust instrument to sell, liquidate, and/or convert the NOTE for its own personal gain. The documents submitted to the Court on behalf of XXXX, XXXX have never been verified. I am sure that the documents have been altered and are fraudulent. This company is seeking a payment in the amount of {$120000.00} from a Note which was initially in the amount of {$59000.00}. Counsel for XXXX, XXXX has never provided any original copies or any " true copies '' of the documents they state in their alleged file regarding my property. I have been provided with copies of copies that are redacted and altered in some form. I check with the XXXX XXXX XXXX and Insurance and verified that Veripo Solution is not residential mortgage lender in the State of New Jersey. I have never been advised that Veripo Solution was involved in the transactions of the alleged transfer of the Mortgage loan with regard to my property.
Product: Debt collection

Received an alert on my credit report that a collection flagged my credit report. The collection agency name is " Jefferson Capital System ''. I called them and was told that this debt was a mobile account for XXXX XXXX. I made the collection company aware that I have never had an account with XXXX XXXX and that I was the victim of identity theft and that this account was opened fraudulently in my name using my personal information. I also asked the collection agency ( Jefferson Capital Systems ) When this account was opened and the address. They were unable to give me this information because they stated they had no information. I asked them to mail all the information they had to me, and to reframe from contacting me. I also informed them to delete this immediately due to fraud. The collection agent stated she would make a note in her records. I have had the same mobile company for over 14 years. I have never had an account with XXXX XXXX
Product: Credit card or prepaid card

My last statement on the Target Redcard/Store card stated my payment due date is XX/XX/2020 ( please see attached document ). I made my payment on XX/XX/2020then their system automatically generated a late ee charge of XXXX and automatically added to my next payment will be XXXX minimum payment instead of XXXX. This was confirmed by the customer service representatives that my payment always due on the XXXX of each month. The last statement was obviously a computer error but it was not my fault. I called in and spoke the first representative who told me he will adjust the late fee of XXXX and credit account but myXX/XX/2020 payment is still showing XXXX minimum due instead of the XXXX. I called in and spoke to a supervisor XXXX but he refused to adjust my minimum due for the XX/XX/2020 payment. Please help me straighten this out because its not the consumers fault. If it is a computer error Target credit should be responsible for this matter and it shouldnt be at the customers expense. I dont want them to report to my credit file that I have a late payment if I only make the XXXX minimum payment excluding the late fee. My other concern is how accurate they are with their banking system. How do the consumers know if their interest calculation is accurate. Believe me. Im working very hard trying to pay off this card ASAP and close out this account for good. My goal is to get it done by the end of this year. Please take a closer look at this matter and see how many more consumers are affected by this problem. Thank you very much for your help. XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

Firstly, the company decided to suddenly report my company card to my personal credit report after XXXX years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60  days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60  day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my mother had just been diagnosed with XXXX  XXXX XXXX  XXXX and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.
Product: Mortgage

XXXX XXXX, loan # XXXX. Fay Servicing the loan company. I be trying to fixing the problem. But is lake had to be there way. From day one they get me problems. That first is for home insurance, I got insurance and then pay for a second one {$1600.00}. Asking for proof of insurance and then need to change the loan # on the insurance. I had to find the problem on that one. Then They race my loan well not note. For {$810.00} to XXXX. Because property taxes race. Know they collected money for insurance and taxes plus the loan. But is not necessary to races the payment. Now they collected over {$1500.00} and the taxes are XXXX more. I pay on to XXXX and then say I old XXXX and XXXX. I tray but is lake is there way. Is late reported to my credit and more and I made payment on time. And my account manager taking all the time to fix this and I tray to fix that and XXXX XXXX the account manager doesnt know working with number. Number are perfect, people fear. My cell number is+XXXX and email XXXX. I appreciate your help. Thanks
Product: Payday loan, title loan, or personal loan

XXXX kept making double charges on my account as a miscellaneous adjustment. Then I made a large sum of payment to pay off my balance completely to the charges I made, then the double charges they made was left. I never paid interest because I made my payments in full and on time. Then they told me I had {$830.00} more dollars to pay that they created by double charging my account. On XX/XX/21 they charged my account {$1400.00} as a miscellaneous adjustment. I want XXXX to reimburse me the amount they adjusted because I overpaid and they owe me money. They closed my old account and opened I new account without my permission. My husband and I pay all our credit card in full each month to avoid interest. If for some reason we miss a payment we call right a way and pay. They usually give back our late fees because we are excellent at paying on time. Now my credit is messed up because of pay pal. Please help me. They are very unresponsive and sometimes they hang up the phone when you call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX  XXXX Account # XXXX Account # XXXX Account # XXXX**** 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 an 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: Credit reporting or other personal consumer reports

per credit report on XX/XX/2022 and XX/XX/2022 a inquiry was established from factual data. I have no awareness of this company nor have or have had any credit accounts. Also on XX/XX/2022 there is an inquiry from a company named XXXX in which I also did not authorize nor have or had any credit revolving/non-revolving accounts with this company. Please review and have these 3 inquires removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

Equifax : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the wrong address on the account on my Experian credit report this is an address that I have never used and it's not even on my credit report as an address this is an inaccurate information please delete this account immediately
Product: Debt collection

I called nation credit system to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.