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

I have been disputing with transunion for the last few months about an alleged bankruptcy. Transunion have been in violation of many consumer laws. According to the FCRA Transunion have violated 15 USC 1681e ( b ), 15 USC 1681a ( 4 ) and 15 USC 1681s ( 2 ) ( 3 ). According to the FCRA all information on my report should be 100 % accurate. The credit reporting agencies need as respect my privacy, I didn't give written consent to anyone to report a bankruptcy. Lastly I have disputed the validation of the bankruptcy but the notice has not been placed in the comment section
Product: Debt collection

This account in question is now considered a certificate of indebtedness and should be regarded as income. Under federal law, income can not be reported on any credit report, and I request the immediate removal of this account from my credit file.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>
Product: Mortgage

The Mr.Cooper mortgage company ( previously Nationstar Mortgage ) contact number listed on their website is an automated answering service that is never answered by a live person. After numerous attempts to call at different times of the business day the automated line transfers the line to an office that is always closed. The only way I found that you can reach a live person is to call the phone number listed for new home loans or refinancing your current loan and once I tell them I need answers about my existing loan I am again transferred to the dead end automated line. If you are trying to get anything resolved with your existing mortgage besides refinancing or applying for a new loan there is no contact phone number that will get you to a live person.
Product: Checking or savings account

I'm writing to appeal the result of the investigation regarding the {$5000.00} transaction on my Chase card. As explained during the previous phone call, my phone was robbed unlocked on XX/XX/XXXX in XXXX, NJ. I reported to the police right after the incident happened. Please see the police report attached ( CASE NUMBERXXXX by XXXX XXXX ). The XXXX later used my phone ( which I no longer had access to at that time ), made the {$5000.00} dollars transaction. As soon as I was aware of that, I called Chase immediately to report fraud and stop the transactions, and I also visited Chase local branch ASAP to close my back account, and made it clear to the staff : this {$5000.00} dollars transaction was NOT authorized by me. Regarding the timeline, my phone was taken XX/XX/XXXX, and the transaction date was XX/XX/XXXX, which is after the I reported to police. This can further prove the transaction was done by the XXXX using my old phone and these transactions were NOT authorized by me. The research result shows the transactions were valid purely based on the correct address, which is not a sufficient proof that the transaction was authorized by me. Also the amount was large, address couldnt be the only validation done to verify the transactions. I also reported fraud to Chase immediately after I was aware of the fraud. According to the Electronic Fund Transfer Act, if I report the fraud within two business days to Chase, Chase must provide the refund. Please kindly reconsider this case with the proofs I submitted. Feel free to reach out to me with any questions. Thanks
Product: Debt collection

Purchased an Office Desk from XXXX that was fulfilled by XXXX. Desk arrived and after assembly had several defects which did not allow me to open drawers. Called XXXX who referred me to XXXX. XXXX sent me several replacement parts which did not correct the problem. They kept transferring me to their Conflict Resolution team. I asked and later demanded that they come to take the desk back. They did not and sent it on to XXXX who sent it on to at least three Debt Collection Services. I called each one. The first two eventually dropped and the third, XXXX XXXX reported it to Equifax in early XX/XX/year>. My credit reporting service ( XXXX  ) notified me. I immediately contacted them and told them of the damaged desk. They sent it to their conflict team but the debt still appears, 3 years after purchase. As a consequence my Credit Score has dropped XXXX points to XXXX. I still have the damaged desk and it is available to be fixed or taken back. If I receive a correctly usable desk, I will pay the ORIGINAL debt pf approximately {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have closed referenced loan has been paid in full XX/XX/2021. From Rushmore Loan Management Services LLC. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted Rushmore to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The Rushmore Mortgage Company. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( 30-90 days ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

Wells Fargo close both my checking accounts because they said fraudulent act if someone deposes money into my business account or personal account Wells Fargo will close my accountant says fortunate acts has it fraudulent acts when people are paying me for my services at Wells Fargo can't understand that or didn't understand it and they closed my accounts and they say how old I'm {$200.00} Wells Fargo have caused me a lot of pain closing my business and personal account and left me stranded by naturally
Product: Mortgage

I got a loan XX/XX/XXXX for my house, it was with XXXX XXXX, then they was bought out by XXXX XXXX, and then XXXX was bought out by Huntington Bank. XX/XX/XXXX I filed a chapter XXXX and since this was the first time I ever did this I didn't understand everything that was included. I didn't have my home in the bankruptcy because I thought I would lose it and I didn't know that because I didn't include it, the bank would hold it against me. I always made my payments each month. They refused to give me my payment booklet and wouldn't help me with anything. My home percentage is at 6.25 % and Huntington will not let me refinance or anything. They said I needed something because of the bankruptcy some kind of paper. This is XX/XX/XXXX and Huntington will still not help me. Because my home isn't worth a lot it's hard for me to get another bank to refinance without all the closing costs, etc. I am on XXXX and have limited income. I just mainly want to get the 6.25 % dropped down. Also, when I was making my payments every month I was sending extra toward the principal and Huntington just recently took that away. I have tried so many times to talk to anyone at Huntington Bank and they just won't help me. Can I still get this paper that the bank is talking about. I am at my wits end because this bank is driving me insane. I need help, Please!
Product: Debt collection

XXXX XXXX XXXX And XXXX XXXX are both reporting on my Equifax report when the insurance company notified both companies to re submit claims that do not belong to me. The were removed from XXXX   report but XXXX XXXX is also on my XXXX   Report. They cant accept money from Medicaid and balance bill and re direct the bill to the parent. But its not o. My husbands report? I am only assuming the bill may be my dependent but I never received anything and Medicaid has resolved these.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I consolidated my students loans with XXXX XXXX. 
These are the loans that were consolidated. 
XXXX XX/XX/XXXX XXXX  {$17000.00} XXXX XX/XX/XXXX XXXX  {$6600.00} XXXX XX/XX/XXXX XXXX  {$11000.00} XXXX XX/XX/XXXX XXXX  {$3000.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX  {$500.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX {$12000.00} Experian continues to show that these above loans are open as well as the new consolidated loan for {$150000.00}. 

XXXX provided me the documentation to prove that they are only reporting the {$150000.00} and that the other accounts were closed. 

I am asking that Experian reports the information accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a Discovery card that is in my name and that my parent had opened and I never knew about it but when i went to check my credit again it said the discovery account had just closed on XXXX the XXXX 2022 and about a couple of days ago when i checked my credit again it said it closed on XXXX 2022. Which means my parent constantly is opening and closing the account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of validation on XX/XX/2022. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. They sent me a letter that does not include the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report continues to display inaccurate addresses and telephone numbers combined with inaccurate non-verified collections.
Product: Money transfer, virtual currency, or money service

I got scammed out of {$490.00} on cash app. I tried talking to cash app and they wont give me back my money. I went through my back and they wont help either.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below.

The consumer reporting agencies which is Transunion did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Transunion violated my rights. 

XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. ThXXXX companies are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts are highlighted in the attachment
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute certain inquiries listed on my credit report. Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. The inquiries are as follows : Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau XXXX Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX  Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX Status : In Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Closed XXXX Closed Letters were sent for all accounts XX/XX/2020 and no response was given from the bureaus within the 30 days in regards to the letters sent.
Product: Checking or savings account

This is regarding closed complaint XXXX. The statement given by Bank of America that this check was cashed at XXXX XXXX XXXX is totally untrue. I still have this check in my possession because I could not cash it at XXXX XXXX XXXX because XXXX XXXX 's name was not on the XXXX XXXX XXXX Account. I have informed Bank of America of that untrue statement and also stated at this point I want interest on my Money they have bee holding for over four months. I also informed them defamation of my character is not acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a 30-day late payments reported on my credit reports- Account beginning with # XXXX. The late payment occurred in XXXX and XX/XX/year> and it was caused by temporary financial hardship due to the COVID-19 Pandemic. Since then, I have worked diligently to stay current with all payments and have maintained a positive payment history. I am in the process of purchasing a home, and this late payment is significantly affecting my ability to secure favorable loan terms. 
I have contacted Kia Financeand requested a goodwill adjustment for this late payment but have not received a satisfactory resolution. I am asking for your help in removing this late payment from my credit report. At the time ( 2020 ) Kia Finance did not offer proper relief during pandemic and stated its my responsibility to find a way to make payments and stay current despite being unemployed and a global pandemic.
Product: Vehicle loan or lease

I took a hardship extension for 3 months due to Covid19. I was told that those payments would put to the BACK of my loan. I have now noticed that when I restarted my payments up in XXXX, Ally is applying my ENTIRE monthly payment towards interest. So why am I paying double the interest if when I was told that those payments would be put to the back of my loan? How does this make any sense? No one ever explained this to me. I am already suffering and now this on top of everything else. This company is bias and I would not recommend that anyone do business with them. This has put me deeper in debt with this lender and for the past 3 months all I have been paying is interest. BUYER BEWARE.
Product: Debt collection

XXXX XXXX Ss # xxx-xx-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX   and XXXX  XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Product: Prepaid card

On XX/XX/year>, I purchased an American Express gift card and had it loaded for {$300.00} from the local grocery store where I live. When I got home I went to check the balance on the website listed on the card to make sure it was showing on the gift card. I got an error message, something was wrong with the card. I called the XXXX # on the back of the card. I was advised that someone had called to try to claim the card, so they need me to email a copy of my receipt and picture ID along with the front and back of the card and utility bill to determine ownership. I was advised to allow XXXX business days for the process to be complete. I called each week from XX/XX/year>, until now XX/XX/year>, and I am still being told they are working on it. XX/XX/year>, was the XXXX business day, and yet American Express Gift card customer service refused to send me the {$300.00} back or a replacement card.
Product: Debt collection

I have had numerous issues with Navient Private Student Loan Dept in the past. I was on an interest only program but was unaware that it had expired. I answered one of their calls from Ms. '' XXXX '' on XX/XX/18 at approx XXXX. I explained to her that I could not make the full payments but would like to be on a modified payment program. I explained that my mom had passed and I was left with all the household bills and even had to get a vehicle in my name. She was polite at first and said she would try to help me. That changed very quickly as she begun to ask me extremely personal questions about some of my debts and personal accounts. She told me I had no right to get a car loan when I had a responsibility to Navient and that should be my priority. She asked me why didn't I have a better job and suggested I wasted my education. She asked what kind of things were on my credit cards and named some of them for me. I quickly realized that she had pulled my credit report without my permission. I finally asked them to not contact me by phone but they continue to. I later confirmed that this is standard practice and was told they don't have to ask for my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 
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 can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with XXXX XXXX XXXX. 

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but XXXX  XXXX XXXX is not responding at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

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