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

On XX/XX/2021, I sent a 609 letter requesting an investigation from TransUnion XXXX XXXX regarding inaccurate/erroneous items on my credit report that were being reported illegally. On XX/XX/2021, TransUnion XXXX XXXX sent a letter stating they completed the investigation, the items were verified as accurate and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect and does not belong to me. On XX/XX/2021, I sent a Method of Verification letter, requesting under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. I also stated that they have to reply within 15 days of the date of this letter or delete the negative items, as originally requested. It has been 15 days and I have received no response.
Product: Debt collection

I took care of all debt by signing off with a debt consolidation place in XXXX, XXXX I signed a paper given up my rights of responsibility to contact creditors. There is two accounts for XXXX XXXX on my credit report.
Product: Mortgage

After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX that I paid cash for the service. I paid the doctor and the facility in full at the time of the service. Over a year later, I see a derogatory mark on my credit. I called the company and they said I received a medical device and that I hadnt paid for it. 
I explained I never received the device and so I should not be responsible. They said you still owe us for it. I think this company is a scam and demand it be removed from my XXXX report. XXXX has already removed this from my credit. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information ( This section includes accounts that have been placed for collection with a collection agency. ) CONCENTRIC RECEIVABLES XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Date Reported Date Assigned XX/XX/2022 XX/XX/2022 Date of XXXX Delinquency Creditor Class XXXX XXXX Balance Date Balance Amount Page 3 of 26 Client Name CONCENTRIC RECEIVABLES MGMT Last Payment Date Whose Account Original Amount {$2900.00} ( Continued On Next Page ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to me,  XXXX   XXXX  credit bureau issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of t he Fair Credit Reporting Act of    1970  provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions  of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate  reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below :  1. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   XXXX  4. XXXX    XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX  7. XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OHIO  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Had filed a complaint a long time ago about navy Federal and overdraft fees. They didn't fix all of the unessary fees they gave me. I found out there is a complaint against them and was told to reach out and file another complaint. 

I had them from XXXX. I would like all of my overdraft fees back that they took from me please. 

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

the collection company named : XXXX XXXX XXXX XXXX has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency XXXX XXXX XXXX and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I noticed on my Truist online bank statement that XXXX was charging {$320.00} on my checking account. I called them to cancel that charge. I spoke with XXXX XXXX who claimed to be a Senior official of XXXX ( XXXX ). He directed me to type in that amount which I did. Somehow that number was changed to {$130000.00}. He said it was approved and showed me on my online account that amount had been credited therein. He said that was an error and XXXX had to be reimbursed by doing 3 separate wire transfer charges. He sent me the needed information on my printer which included charges as follows : XXXX. XXXX {$49000.00} to a XXXX XXXX XXXX XXXX XXXX. XXXX {$49000.00} to a XXXX Bank XXXX XXXX XXXX XXXX Ky XXXX. XXXX {$35000.00} to a XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Senior Bank, Truist XXXX me that this appear to be a fraud. I called the Truist fraud line & they confirmed that no such transfer had been credited to my checking account. I notified XXXX XXXX XXXX, XXXX XXXX XXXX. and gave him copies of the wire transfers. He assigned a case no. ( XXXX ). I also contacted XXXX XXXX XXXX, XXXX XXXX XXXX. I reported this incident to the Florida Attorney XXXX XXXX. Representative XXXX XXXX prepared a complete report and forward all the info the FBI. I am an A-typical XXXX yr old senior who needs help. I had seen been called often by the scammer, but refused to answer
Product: Debt collection

I had a judgment against me the judgment was not re certified and recorded at the XXXX XXXX expiration. I filed a motion to dismiss with prejudice on XXXX XXXX, the judge signed the order dismissing the case with prejudice on XX/XX/year>. A Motion to Continue writ was filed in my case on XXXX XXXX and the Judge signed the Order Continuing Write on XXXX XXXX. This Motion was filed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
According to the FDCPA this is a violation because it means attempting to collect on a debt that has been already definitively ruled can not be collected
Product: Student loan

Timemark solutions contacted me repeatedly and aggressively. They claimed they worked for the federal government and told me that I would have to pay fees to enter loan consolidation and income based repayment. They charged me 3 fees of XXXX and did not file the appropriate paperwork to enter into loan consolidation. They refused to offer any assistance after the fees were paid. Their agents and website were misleading and predatory.
Product: Debt collection

Contract Callers Inc is reporting a collection with account number XXXX on my consumer credit report. Contract callers Inc was never given consent to share my information with any third parties such as credit reporting agencies. Also me the consumer was never provided a written notice of debt validation from contract callers and with that being said contract callers is in violation of FDCPA and this collection account is to be removed from any and all consumer credit reporting agencies that it is being reported to or the FTC will be notified of this violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3700.00}. Please remove this account immediately.
Product: Debt collection

I have an {$800.00} account in collections on my credit report that I have not made. I have tried to contact the previous collections company but the number was not good and I could never speak to anyone. The current company spoke to me and told me the debt is from an emergency room visit for vomiting for 2017. I do not remember this visit, and I had insurance at that time so I should have no bill. This debt is not mine.
Product: Credit card or prepaid card

In XXXX of XXXX I ordered a pair of boots from your website that resulted in a charge of {$85.00} on my XXXX XXXX account ( # XXXX ). The boot did not fit and was promptly returned. I received an email confirmation indicating the return had been processed. 
Since I received the confirmation, I did not pay the bill that was due on XX/XX/XXXX. As a consistent online shopper, the return confirmation issues a credit that erases the bill. I received a bill due on XX/XX/XXXX indicating a credit of {$68.00}, a return fee of {$10.00}, and a late fee of {$30.00} plus an interest charge. I called multiple times ( I was hung up on by two different associates ) and while transferred to multiple people with no resolve. While I have issue with the return fee, Im willing to pay it since it is apparently a new policy of yours. I was told that I would be credited the late fee. Ive since received a bill that was due on XX/XX/XXXX with an additional late fee of {$37.00} late fee and additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have over 130k in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has already been investigated and the inaccurate account removed. I am requesting that Transition follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My account number is XXXX the banks stated that my balance was XXXX. So, XX/XX/XXXX I paid {$5500.00} and made a request for the bank to send me, my payment history. I called twice request a copy of my payment history, as of XXXX, since have not received it. I paid XXXX XX/XX/XXXX and my balance was {$610.00}. I didn't receive any decrease in the interest. So, I sent {$610.00} because I wanted my credit report to show the accounts paid off. As Of XX/XX/XXXX, the check for XXXX hasn't been cash and payment history has not been received.
Product: Mortgage

I have had a HELOC ( # XXXX ) with U.S. Bank for almost 15 years which is tied to a construction gone bad. I am in the California court system since 2006! There have been 3 rulings for me. The defendant had gone all the way to California Supreme Court which was rejected. To be safe, it will take another year to see any money. I have almost paid the amount of the HELOC in interest! I have applied for forbearance. Even though U.S.Bank has sent me a letter and given me a name as a relationship manager at the Loss Mitigation department, but I can not locate the person nor I can talk to anybody in charge. I might have been late just a few times in 15 years! but they keep charging me for late fees and reporting to Credit companies. Except for them, I have an excellent credit history! 
I am a XXXX single mother with a rare autoimmune disorder. I am also caring for my XXXX old mothers. I truly need help. Do you think U.S.Bank would waiver all late fees so far, which will be a couple of thousands?
Product: Credit reporting or other personal consumer reports

i have NEVER given this company my information and don't have an account with them they have stolen my information. I have never given Transunion ANY information to furnish on a credit report
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX offered through US Bank on XX/XX/2019 online after speaking with a cashier at a XXXX store who advised me that the store would no longer accept Visa, but XXXX offered a Mastercard that would be accepted and had great rewards. At the completion of the online application, I received an instant message that I was not immediately approved and further processing was necessary. The following day, XX/XX/2019, I received an email message that I had been approved for a credit line of {$5000.00} and the card would arrive in the mail in approximately 6 days. I received the card in the mail on XX/XX/XXXX. I followed the instructions on the front of the card to activate the card, and the representative texted me a verification code number, asked about the state where my social security number was issued, and other personally identifiable information. She stated she was not able to activate the card, as I needed to speak with their application fraud department to verify my identity with them, and they were only open XXXX. I called the activation phone number on the front of the card on Tuesday, XX/XX/XXXX at XXXX XXXX to speak with the application fraud department. The representative informed me the application fraud department was closed, as their hours were central time not mountain time. After being transferred to voicemail, I called the activation number back to speak with a supervisor in hopes of canceling all prior information with the bank. The supervisor advised me that he was not able to cancel the card because it was held in a fraud delay. I called back on XX/XX/XXXX at XXXX XXXX mountain time, and a representative once again texted me a verification code, asked personally identifiable questions, and then said she could not activate the card, but I needed to speak with the application fraud department. She transferred me and I confirmed application information and the card was activated. I then called the phone number on the back of the card and they canceled my card. I never used the card and do not want the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting for XXXX months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.
Product: Mortgage

Bottom line : I have worked with Flagstar Bank to resolve an ongoing issue about an exorbitant increase to monthly mortgage amount for the past 3 months -- to absolutely no avail or remedy. My monthly mortgage amount was {$880.00} since I 've had the loan -- and it jumped to {$1700.00}. ( With escrow spread over a longer period, it 's at {$1500.00} which was an immense struggle for me to pay this month. ) This is still entirely insurmountable for me as single mom, as it 's almost double what I 've been paying. Flagstar forced escrow, even though I had made payment to my property taxes and flood insurance. I paid {$5300.00} for property taxes -- but we paid the county at approximately the same time, so they then forced escrow. Flagstar representative XXXX XXXX said perhaps loan modification would help. I went through that process, wasting 2 months of my time -- hoping and praying that I could get a lower payment so I could actually pay my mortgage and feed my son. Then, Flagstar said that I had been DENIED loan modification, because I 'm " current '' on my loan. What on earth?! What kind of help is that? Of course, I want to be current and I do n't want my credit jeopardized! That 's the precise reason I 'm turning to them now is to work out an amenable payment plan -- and NOT WAIT for when I 'm delinquent, ruining my credit. That 's ridiculous -- and not a reasonable, prudent way to do business. I can not afford this monthly mortgage amount, and Flagstar is not working with me in a real way which will help provide a remedy for my family. I am trying to be proactive, and not spiral out to delinquency. This is not wise. I want to restructure this now BEFORE I get to a point of delinquency -- that 's the smart way. They need to work with me on a real loan modification that is approved and works for my budget. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XXXX, 2017. Please contact Flagstar at XXXX.
Product: Checking or savings account

I have mutiple diagnoses, which are documented by numerous work comp physicians.and the XXXX of Arizona and the Arizona XXXX XXXX. MY HUSBAND IS A PRACTICING XXXX. Also, sustained permanent LIFE XXXX injuries. I also have XXXX XXXX Court Police documents that are prove of attacks by drug dealers on the premises at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. 
When I received a phone call from XXXX XXXX I was under the care of my physicans and was unable to proceed. I informed the mediator XXXX XXXX XXXX and XXXX XXXX on the document I POSESS IT CLEARLY STATES THAT I CAN SEND CORRESPONDENCE TO THEIR ATTENTION NOTING THE ABOVE NAMED CASE NUMBER AND WE WILL REOPEN THE FILE. MY HEALTH XXXX XXXX /XXXX  AND THE XXXX DID NOT ALLOW ME TO FOCUS ON WELLS FARGO FRAUULENT CASE. I WAS UNDER THE CARE OF XXXX XXXX XXXX FOR XXXX AND CONTEMPT ORDERS OF THE JUDGE AND DEFENDING ARIZONA CASE ATTORNEY. MY LIFE WAS MY PRIORITY! WELLS FARGO WAS NOT MY PRIORITY. MY HUSBAND WILL TESTIFY. 

WELLS FARGO XXXX  XXXX XXXX, OR XXXX IS RESPONSIBLE FOR THE ADDTIONAL XXXX  TO MY BRAIN AND BODY WAS RESPONSIBLE FOR ADDITIONAL XXXX TO MY ATTEMPTED XXXX CASE. MY PATIENT DIED IN THE ATTACK. I have a DIAGNOSIS OF XXXX. THE CONTINUAL ADDED STRESS FROM WELLS FARGO CAUSES ADDITIONAL DAMAGE TO MY BRAIN. 
PLEASE TAKE THIS IN ACCOUNT, BECAUSE XXXX XXXX WILL BE ACCOUNTABLE FOR ABANDOMENT AND DESERTION. NEW YORK STATED HE WAS THERE AT THE OFFICE AND NEVER RETURNED MY CALLS. HE HAS DISAPPEARED. 
WELLS FARGO HAS INCREASDED THE INJURIES I SUSTAINED IN BOTH LAW COURT CASES. IF THIS ABUSE CONTINUES I WILL SUPPLY MY COURT DOCUMENTS WITH SOMEONE WHO WILL SUPPORT THE CRIMINAL ACTIVITY USED AGAINST ME. 
THERE WAS A COURT ORDERED AWARD AND I WILL PURSUE REPORTING TO DISABILITY COURTS. 
THIS WILL BE THE LAST INJUSTICE THAT WELLS WILL DO TO ME. 
ALSO, I SUSTAINED INJURIES XXXX 2022.ON A CLINICAL SITE FROM A DISABLED MINOR. WELLS FARGO IS INCABLE OF RESOLVING MY DISPUTES CREATING MORE XXXX TO MY UNRESOLVED CASE OF 4 YEARS. I DO HAVE INCREASED BODILY INJURIES AND THE PI ATTORNEY IS TAKING MY CASE. 
DO I NEED TO REPORT WELLS FARGO ACTIVITY TO THIS PI ATTORNEY? 
I DID NOT NEED MORE STRESS FROM WELLS FARGO. SOMEDAY A LOVED ONE MAY NEED MEDICAL CARE... .REMEMBER YOUR INVOLMENT IN MY CASE.
Product: Debt collection

I rented a car through XXXX XXXXXXXX XXXX XXXXXXXX in XX/XX/year> in XXXX XXXX. The car was dropped off at the airport around XXXX on XX/XX/XXXX. The person who checking in my car incorrectly entered XXXX on XX/XX/XXXX. I provided my flight receipt and screenshot from XXXX showing my past flight on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX stance is that my proof is insufficient and they only accept boarding passes as proof. The boarding pass is no longer available as the flight was in the past. I called XXXX and they said they can not provide the boarding pass, they can only confirm that I was on the flight. I disputed only the extra day of charges with XXXX ( {$73.00} ), who sided with me in the dispute. After winning the dispute, XXXX XXXX XXXX XXXXXXXX emailed me saying I still owe the {$73.00}, to which I declined. They have since submitted this debt to HP Sears debt collectors. 

I have attached the XXXX XXXX confirmation showing the time of the flight, as well as the XXXX screenshot of the past flight. Additionally there is the XXXX XXXXXXXX XXXX XXXXXXXX receipt attached.