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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting incorrect information. I have disputed this account several times. 
The account in question has been deleted from XXXX and XXXX. These deletions happened in XX/XX/2019. As a consumer, I honestly do not think Equifax is looking into the disputes, they are just marking the account as verified. This account has been closed more than 7 years. It is having a negative impact on my credit file. 

When I tried to verify this account mail came back undeliverable. The address for the company was updated and it was marked as verified. Since then, they have not actually looked at dispute. They are just marking it as verified. I also never received debt validation from XXXX XXXX because the address for XXXX XXXX was incorrect on my credit file.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Greetings, my complaint involves Flagstar Bank, who has put us in a modification purgatory for the last several years, now has sent letter via lawyers that house again in foreclosure. We had entered into our XXXX trial period and completed the 3 month trial period and have n't been contacted since XXXX of XXXX are at wits end with the whole process while accruing penalties, late fees, etc.
Product: Money transfer, virtual currency, or money service

I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last year in XXXX, I signed up with XXXX online market place by paying {$750.00} in fees. They asked me to fill in a form with a third party company, named clover connect owned by Fiserv, which is managing the online transactions for this market place. Per their online form, I provided details for my bank account for ACH payments to my account for any sales I make on this market place. I was away in XXXX for family matters and did not notice that XXXX XXXX after taking my bank account detail started making ACH debits from XX/XX/XXXX. Further more, from XX/XX/XXXX, the company started deducting {$29.00} additionally for a total for {$49.00} every month. When I found out about this in XX/XX/XXXX when I paid attention to my account upon my return from XXXX and contacted XXXX XXXX, they mentioned that additional {$29.00} was deducted because I did not complete their online form for PCI compliance. When I enquired about this, they said that I must fill this form even if I don't have any cards with them and I have no direct account them. They said they will stop deducting payments only if I fill the form which essentially required me to go to their online website and state that I don't use their card payment platform. All the while, they did not send a single notice of payment or penalty.. They committed fraud by making unauthorized ACH debits into my account with no invoice or bills. This may be the only company in the world which accesses individual 's bank accounts and charges monthly fees even if my company is not a direct customer, and furthermore, charge penalty for not filling their online form for what they state as one of the steps in their onboarding process, when infact my company is not even a direct customer of theirs and they have no right to charge my company for not filling an online form. Please note that they needed me to only state in the online form that t am not their direct customer and that the transactions are done on online market place which is PCI compliant, and therefore the PCI compliance steps are not even applicable to my company. The company too {$210.00} from my bank account unauthorized. Request you to kindly take action on this company for the fraudulent and unauthorized withdrawal of money from my account.
Product: Credit card

Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a XXXX percent interest is still shown. The expiration date for another XXXX interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
Product: Credit reporting or other personal consumer reports

I have noticed accounts on my credit report that I am not familiar with. I have tried other methods to have them removed with no success. These accounts are stopping me from obtaining credit.
Product: Credit card or prepaid card

I established a monthly payment to a company via my checking account with America First Credit Union. 

The credit union processed this as a charge to a credit card I have not used in many years. When I last used the card I had minimum payments established to avoid delinquency. When this new monthly charge began XX/XX/XXXX I expected it to come from my checking account which held a balance of more than XXXX. Instead it came from my credit card and minimum payments were not automatically taken out. The credit union did not notify me of this delinquency at any time by phone or email. When I later found out about it they told me letters were sent to an incorrect address. 

When I found out about the delinquency I immediately paid the balance and closed the account. I also asked for a print out of all activity. I did this on XX/XX/XXXX I noticed the credit union without my permission offset payments using my checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX. 

Despite the offset to pay off my debt, without my permission, they continued to report this account as delinquent to the credit reporting agencies. 

I disputed both the initial charge to my card as it should have been deducted from checking from the beginning as well as the late credit reporting and offset out of my checking account. They also could not tell me why my automatic payments were turned off. 

I was notified today, XX/XX/XXXX that my dispute was denied and that my account is being reported as delinquent.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed a Balance Transfer on HSBC Credit card that I had not authorized. The Balance Transfer was {$5000.00} plus a fee of {$200.00} to XXXX XXXX XXXX in XXXX. Since XX/XX/XXXX I have contacted or attempted contact with HSBC multiple times per month. I have explained to them the Balance Transfer is a Fraudulent transaction. I did not authorize it. I did not notice the transaction initially because I was making monthly payments and paid off the original amount. 

I not only contacted HSBC, I have also contact the XXXX in XXXX XXXX, New York. The XXXX is keeping the complaint open even though they have contacted HSBC and were unable to resolve the issue. 

XXXX, XXXX, and XX/XX/XXXX, I have tried to contact HSBC via telephone and email. My telephone calls are automated answered, once the calls are transferred, my calls are consistently disconnected. Attempting contact online is no better. I enter my Credit Card number and am immediately kicked off the website. 

XX/XX/XXXX I did receive an email from HSBC XXXX. This was after they had been contacted by XXXX. The email stated " I appreciate your patience while I continue to investigate your concern. I'm sorry that this has taken longer than expected and am working to resolve this matter as soon as possible. '' Signed XXXX XXXX, Manager Customer Relations. 

There has been no additional contact due to telephone calls and online attempts being disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).
Product: Credit reporting or other personal consumer reports

Due to a significant data breach and subsequent identity theft, my personal and financial information has been compromised. This has led to unauthorized activity on my credit reports, negatively affecting my financial standing and security. Given the extent of the breach and its impact, I respectfully request that my credit record be cleared to restore my financial integrity and prevent further exploitation. Taking this step ensures fairness and accountability while allowing me to recover from this incident effectively. Thank you for your attention to this urgent matter.
Product: Checking or savings account

After not using the business checking account for years, I decided to move some funds to a personal account within the same bank with better interest. After checking the minimum balance online, everywhere saying {$500.00} was the minimum balance needed, I moved all but {$1100.00} to the personal account. Now over 13 months later, I have received a payment to this business and went online to deposit only seeing {$900.00} and XXXX times a {$16.00} fee was applied to my account. This was when I first learned of a {$5000.00} minimum balance. No email or text was sent notifying me of any fee over the 13 months they continued to charge an unused account. Not even a statement was sent! In that time I received multiple emails and texts about my personal account, even about fees. Banks are required under Federal law to disclose any fees they charge in connection with a deposit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Product: Mortgage

When I refinanced my home with Home Point Mortgage I feel that my Escrow money was miss managed. The first year after that my mortgage payment went up almost {$300.00}. I realized that my taxes and insurance did go up so after long discussions with them about the shortage from the loan I paid. Now this year they say I am almost another XXXX in the whole. Taxes and insurance according to them went up by XXXX for the year. I will now be paying {$600.00} dollars more a month for the same fixed rate mortgage that I got XXXX years ago. The price hike is over 2 years. 

This companies shareholders sued the company and won. I see where other customers with the same mortgage provider are suffering the same problem. I would like to know how to go about stopping this ridiculous increase without sufficient evidence that they have not done something wrong when the loan started and miss use of escrow money.
Product: Debt collection

To Whom It May Concern, I will try my best to explain. Aspen National Collection Agency, Recently appeared on my credit report and started calling me the past few days and we had spoken a few times. I have multiple issues here proceeding with the following, on the original phone call this one particular person had stated I was committing crime by not paying this debt in full and proceeded to name call me such as I was liar and not intelligent when I started asking questions. I had asked them how was this on my file 5+ years and this is the first I am hearing about ( picture I will attach ) and also asked them how all of a sudden I started getting phone calls when they never called me until it randomly appeared on my file. From speaking to this company a few times now they say I originally owed {$800.00} when the account was closed yet one day want {$3400.00} and the next day want {$4400.00}. I called the original creditor and they said this account was closed and nothing was owed. If I owed anyone {$800.00} I would have paid or at least settled. I asked them for signed paperwork and documents they refused to send me anything as I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have contacted all three credit reporting agency and was told that the information was verified. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

I WAS TOLD BY THE XXXX XXXX XXXX XXXX XXXX XXXX and United States Courthouse XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Telephone : ( XXXX ) XXXX said that they do NOT provide information to the credit bureaus. so the information could not have been verified.
Product: Credit reporting

This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent accounts and fraudulent inquiries, along with my statement ).
Product: Credit reporting or other personal consumer reports

Please view attached as there is information on my report that does not look right. Please verify the reporting of these items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Someone tried to get a vehicle online in my name. Which caused the dealership to run my personal information online
Product: Debt collection

i had started receiving letters from this company that I have never done any business with and then I started getting phone calls from this company leaving messages on my phone I wish someone would make them stop i 'm trying to work an those calls are very annoying..
Product: Debt collection

I am lodging a formal complaint against sunrise credit services. This debt collection company has intentionally violated the fdcpa/fcra. Sunrise credit has just reported derogatory information on my credit reports in the amount of {$1700.00} for a debt that isnt mine. I have never recieved a dunning notice in the mail which allows me 30 days to dispute validity. I have lived in New Jersey at the same address for all my life and never recieved any notice from sunrise credit. I am in the process of purchasing my very first home for my family and this errounous account is now holding me back from achieving my goal. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if account isnt deleted. Thank you for your time.
Product: Credit card or prepaid card

I HAVE AN ELAN FINANCIAL SECURED VISA CARD. I HAVE PAID OFF THE CARD AND THE COMPANY SAYS I HAVE TO WAIT 60+ DAYS FOR MY SECURITY DEPOSIT OF {$3500.00}. I DO NOT THINK THIS IS FAIR. THEY SAY THEY WILL NOT CLOSE THE CARD TILL THERE IS NO ACTIVITY FOR 60+ DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. Transunion has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX  rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft, I file a policy report and proof that some accounts in my credit report report do not belong to me. i been submitting disputes since XX/XX/2020 requesting removal of those fraudulent accounts please see attached. letters been sent, policy report and proof of identity