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

XXXX XXXX applied a debt collection to my credit account with trans union in the amount of {$6800.00} or so. I disputed the debt immediately because it stated it was from XXXX. This account was included in my bankruptcy. I sent Transunion the federal Supreme Court papers showing these XXXX accounts. They stated that their investigation shows that it is current and the account will stay. I then called up the XXXX XXXX agency who took the paperwork and stated 30 days later they sent the remove from credit paperwork to the credit companies. I disputed this report with Transunion 2-3 more times with same results even with documentation. Finally, XXXX XXXX comes off my credit report and then right back on it the same day by Transunion. This is illegal as it was disclosed in my bankruptcy and I find it very unprofessional. I have paperwork ready to be filed for a Lawsuite if they do not correct immedietly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$5.00} XX/XX/ XXXX  XXXX XXXX XXXX {$64.00} XX/XX/ XXXX XXXX  {$190.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/ To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 US DEPT OF EDUCATIO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fail on hard time with my payments and l will like for my late payment history to be removed with good faith that i will not fall behind on my on min. payments.
Product: Credit reporting or other personal consumer reports

- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act US DEPT ED 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 agency can not furnish a account without my written instructions
Product: Mortgage

My husband XXXX XXXX XXXX XXXX XXXX after a two year battle with  XXXX. I have a joint tenancy with my husband. I believe my husband got a loan and the loan was paid off. I spoke with XXXX account manager and he indicated that the XXXX loan was paid off. Somebody else named XXXX XXXX applied for a loan and used my house as security. The tax statements from Wells Fargo names XXXX XXXX as the borrower. I am paying the mortgage payments for seven years for money I never borrowed and my husband never borrowed. XXXX XXXX 's husband took the identity of my husband and was using my husband 's E-signature to get loans. Please help me. Wells Fargo is very involved with this fraud and I am here paying for someone else.
Product: Debt collection

My X wife had an issue with her XXXX telephone bill. She tried to resolve it but XXXX was so stubborn about it that she simply gave up and did not pay the bill. Then an collection agency got involved and they offered to reduce the bill if she would pay it. I was the one who spoke to the collection agency on the phone when the deal was made. My wife paid and we taught that was the end of it. Well 2 months later the same collection agency called back and told my wife that she still oved them some money. I got on the phone my self and ask them what in the XXXX is going on when just 2 months ago we settled that problem. Stubborn as they are they kept insisting that it was a misunderstanding. I told them to go to XXXX and do not bother us any more. On XXXX XXXX XXXX I got divorced from my wife and we live separately. I got another call from XXXX about one month ago from the same collection agency number XXXX and she asked to talk to my wife. I told that my wife does not live here and I asked her not to call again. Yesterday at XXXX XXXX XXXX XXXX I got an anonymous call I assume from the same agency. On XXXX XXXX at XXXX I got a call and a recorded message to call XXXX. I need for somebody to tell these people to cut it out. TO STOP, THIS IS PURE HARASSMENT. THIS IS NOT FUNNY ANYMORE. ENOUGH IS ENOUGH. I DO NOT OWE THESE PEOPLE ANYTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

In XXXX of 2020, I applied for a refinance loan through Quicken Loans. I was told by the loan officer that I was approved. Quicken Loans sent a Home Appraiser to my home to inspect and appraised. Quicken charged me {$500.00} ( which I eventually got back ). I filled out voluminous amounts of paper work which took my wife and I hours and then faxed over documents at night because " speed was of the utmost importance ''. I was on the phone with the gentleman 2-3 times a day and then ... ..nothing. Not even an email. I called and sent emails for days. Finally, a loan officer said that there was a mistake and I could not be approved at this time, but I could apply again in a few months. I asked to speak with the initial loan officer and they would not let me, They told me that it was a mistake on his part and would be taken care of " internally ''. I will NEVER contact this company again. I reported them to the XXXX  as well as the Michigan XXXX. I have no idea how they win XXXX XXXX awards. I no longer trust that company as well. In addition, I was repeatedly lied to by representatives of their company. When I brought this to their attention, they did not do ANYTHING, not even trying to make things right.
Product: Payday loan, title loan, personal loan, or advance loan

As of XX/XX/2024 my credit report says i have a {$12.00} complaint from Kickoff Lending LLC. I never used kickoff.
Product: Debt collection

Please see attached cease and desist letter that was sent to AMSHER COLLECTION SERVICE on XX/XX/year> for them to cease and desist as I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanded that they cease all communication with me regarding this matter, except as allowed by law. I also demanded that they cease and desist any and all collection activity under the law as well. As of date, AMSHER COLLECTION SERVICE continues to report this on my credit report in violation of applicable laws.
Product: Bank account or service

I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.
Product: Debt collection

Wells Fargo and/or their agents engaged in intentional UDAAP violations. They filed suit and attempted to serve at an old address for over 2 years. Finally they had the process server leave the summons with the current resident who informed them that I do not live there. The process server said he didn't care and filed a fraudulent proof of service. I was notified of the lawsuit by someone that knows the current tenant of that property and I informed Wells Fargo that I live at a different address in a different county. They did not provide me with a debt validation notice and proceeded with the lawsuit. Now they have a trial date set at a court house in a different county that is over an hours drive from my house. They are intentionally trying to obtain a lawsuit in a deceptive manner by taking these abusive actions. They refuse to offer a reasonable resolution to this matter and are forcing me to prepare for bankruptcy since there's no way I can afford to pay this judgment with my XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove hte following files : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. I contacted all three companies involved : XXXX, The Money Source, and XXXX XXXX. XXXX and The Money Source were telling me they owned the loan. However, XXXX XXXX  assured me The Money Source was wrong and that XXXX owned my loan. When I asked XXXX XXXX why my payments to The Money Source were not being reflected by XXXX, they did not know the answer. As of today, The Money Source and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. 

In short, XXXX XXXX  has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. 

I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$13000.00}
Product: Checking or savings account

I own a Truist Checking Account. I have had XXXX overdraft fees assessed to my checking account : l. The dates of the overdrafts are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For each of these days, I have transferred money over to cover the cost of the transactions. Many flat out show on the ledger that the account remained in positive status, yet the fee was still assessed. 

In the last I was told that this may be due to funds transferring over and showing as available but not be truly settled until the next day. Ive been conversely told the same thing in reference to transactions about the date they appear and the date they settle being different. 

This is a convoluted, unclear process that Truist selectively uses to take advantage of customers and is a clear violation of CFPB rules. For example, under todays latest fees assessed, my account was positive yesterday evening, I woke up to a negative balance, but the overdraft fees associated with it are the primary cause of being in negative. Yet even so, the negative balance is less than - {$100.00} which is allowed by the account. Truist promotes this fact. 

Via these illegal fees Truist has stolen almost {$500.00} from me and my family. 

I dont want to be in this position. But I am the sole provided for my household. My spouse has had to quit their XXXX  XXXX  job due to a XXXX  XXXX. I have XXXX children with XXXX XXXX. {$500.00} would cover a lot for them. But the corporation apparently feels they are more entitled to it by taken advantage and picking and choosing how to apply unclear rules regarding its accounts. Its shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX  - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!
Product: Mortgage

The mortgage company who I currently pay was recently hacked. I learned about my mortgage company being hacked through the news, and not by the mortgage company. The mortgage company has yet to inform me about the cyber hack to this day. When I tried making my payment online, I was unable to. The page is currently down. When I tried calling, I was unable to reach a customer service agent. I contacted via phone during their hours of operation. No matter what options I choose, I could not speak to a representative of the mortgage company. I cant make my mortgage payment and fear that it will impact my credit score and worse, my home can be repossessed. This is no fault of my own but of the mortgage company which is solely responsible for the cyber hack. With as much money as mortgage companies, make, they have to do the best job of keeping my information secure. This has made me very angry and I wish I could have paid my house off sooner so I dont have to deal with grimy mortgage companies like the one that has my house on XXXX XXXX which is Loancare. More like loandoesntcare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : 01 XXXX XXXX A ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX  ) XXXX : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00}
Product: Debt collection

I am writing to formally dispute an error on my credit report, specifically regarding the re-reporting of a collection account that I have proven to be a result of identity theft. Despite providing the necessary documentation to the credit bureaus to support my claims of fraud, this account has been re-reported on my credit file, which I believe to be a violation of my rights under federal law. 

In 2023, I discovered that a collection account had been opened in my name without my authorization. I immediately took the necessary steps to report this fraudulent activity, including filing a police report, submitting a fraud alert with all three credit bureaus, and providing the bureaus with copies of the police report, proof of identity theft, and any other required documentation. 

However, despite my actions and the clear evidence provided, I have recently noticed that this collection account has been re-reported on my credit report by one or more of the credit bureaus. This situation has caused me significant distress and confusion. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am entitled to have fraudulent accounts removed from my credit report after providing appropriate documentation. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) outlines protections for consumers in cases of identity theft, and I should not be held liable for debts that are a result of fraud.

Given that I have fulfilled all legal obligations and provided sufficient proof of identity theft, I kindly request your assistance in ensuring the removal of this fraudulent collection account from my credit report, as it is adversely affecting my credit standing and causing ongoing harm.

Please consider this a formal complaint, and I request your immediate intervention to resolve this issue in accordance with the law. I would appreciate written confirmation of the actions you take to address this matter.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquiries from places I didnt know about or approve of on my credit report
Product: Payday loan

this lender has called my work numerous times after I 've asked them to stop. they will not stop calling 3-5 daily.
Product: Debt collection

Company has called 3 times since XXXX, and I finally picked up today. Company does not identify self. Refuses to state what call is about, only states this is in regards to an " issue at our office '', no other information. Immediately asks for my address, doesn't explain why. Had to search number to identify business, which states they are a debt collector even though they are illegally misrepresenting themselves. I have no debtprobably why they are refusing to identify themselves. Will continue to report this company for illegal practices.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some unknown dates Transactions were made from my account to another account without my authorization and when I contacted my bank they didnt do anything about it