23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've sent multiple dispute letters to TransUnion regarding multiple inaccuracies on my consumer report. Despite providing evidence, TransUnion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors.

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 1. [ US DEPT ED ] XXXX 2. [ US DEPT ED ] XXXX 3. [ XXXX ] XXXX* Under 15 U.S.C . 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met. Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against XXXX. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both XXXX XXXX and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I walked into a chase branch at XXXX XXXX XXXX, XXXX, TX XXXX. I asked the teller to close a business checking account and credit card I had open several years earlier. I have since learned that while the checking account was closed, the credit card was only paid to a balance of XXXX but was not close. In early XXXX the balance of the credit card became none XXXX when a yearly auto recurring pay was charged to the account. I did not receive any statement because the address chase had on file was incorrect. 

I was unware of the balance until in XX/XX/XXXX of XXXX I received an email saying I had a past due payment. I assumed this was an error or phishing since the account shown did not match any of my open accounts I knew of. That night I forwarded the email to chases anti phishing service and got an automated email to contact chase. On XX/XX/XXXX at XXXX I called chases customer service number and what told I indeed had no account by that number and to not pay since it was a phishing email. 

In XXXX I was applying for a home loan and found out I had a derogatory note on my credit report for have a past due payment at chase. I contacted chase and was made aware of the credit card account still existing. The accrued fees we removed by chase and I paid the balance and again closed the account. I then talked to chases credit reporting specialists and was told the only way I could get the credit report corrected was to located the chase teller I talked to and have them call and admit they made a mistake over a year earlier, since there is no paper trail for something that does not happen. I went to the chase branch the next day and was told they have no records of who closed my checking account and therefor I would have to have noted that name of who I talked to and find them personally. 
I have since talked to chase many times trying to find an internal process to remedy my credit report. I have been told while they were able to find my phone call where chase told me not to pay the past due balance, that it was my job to know that it was a legitimate account still and pay it. My only recourse was to prove that the teller made a mistake but that this is impossible since I get the name of the teller and there is no paper trail saying they did not close my credit card account. 
I have also opened a discrepancy with all three credit reporting agencies and have been told that they contacted chase and chase has said the information report was correct and will not be changed.
Product: Credit reporting or other personal consumer reports

Trans union is reporting an account incorrectly. XXXX account number XXXX is missing information from the reporting. This account should be included in my bankruptcy
Product: Credit reporting or other personal consumer reports

Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has over 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. 
This is the List of companies that did this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCE XXXX XXXX XXXX XXXX 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

I have sent Equifax 2 notarized disputes regarding XXXX bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these 2 letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN XXXX that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me. The Credit bureau does not have a contract with the court house nor me to allow them to be reporting fraudulent information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my consumer report and contacted equifax regarding false and erroneous inquiries on my report. I have done no business with these companies and would like this information cleared immediately.
Product: Mortgage

In XX/XX/2020, I submitted a refinance application with my existing mortgage lender, Flagstar financial. I have an excellent credit score, no financial hardships, solid employment history and was not requesting any cash out. It was a simple refi to change the rate from a 30 year@ 5.25 % to a 20 year@ 2.875 %. Over the past 5 months Flagstar has conditionally approved the application package multiple times only to request additional disclosure statements regarding any changes to bank account balances between XXXX through XXXX, multiple credit reports XXXX through XXXX and most recently a signed explanation statement regarding inquiries of competing lenders on my credit report last week. 
The latest reason for Flagstar 's two week delay is because I attempted to research competing lenders who were interested in refinancing my loan for to the extensive and unnecessary delays created by flagstar. Once I informed flagstar of this action they responded that closing should take place within a week 's time ; therefore I did not pursue other lenders interest. 
With industry standards being 30-60 days for new applicants to close on a refi, I suspect Flagstar is intentionally delaying the closing of my refinance considering it's in their best interest to keep me paying my current mortgage at a higher rate. Additionally, the have not disclosed how much these delays are costing ( in both interest and term ) me per month. Finally, since XXXX refi rates have increased and competing lenders are not able to match the original lock in rate from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is IMPOSSIBLE to work with. I am having identity theft issues and their phone system automatically hangs up on you. Their chat system NEVER connects to an agent and their online tool to freeze credit does not work and routes you to the phone number which doesn't work. This has been going on for DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and XXXX and XXXX continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..
Product: Mortgage

I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.
Product: Debt collection

Its a third party collection company trying to get me to pay money I dont owe.
Product: Credit reporting or other personal consumer reports

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX .. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was XXXX. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a XXXX that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681. 

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I checked my bank account and found that there were 7 unauthorized transactions, 6 of which were for the amount of {$48.00} and the 7th was for the amount of {$47.00}. All of these transactions were from the same source, a XXXX account called XXXX. Keep in mind that this is not my XXXX account and when I checked my XXXX accounts, no unauthorized transactions show up in my history. 

So I called Chase 's Fraud department and spoke to a rep as soon as I saw the charges in my account. They put in a claim and told me it would take a few days to get reviewed. My debit card was closed and I was sent a new one in the mail. After a few days, I received a reversal credit for 4 of the charges and the following day, the rest of the the transactions were reversed. 

Now, XX/XX/XXXX, I checked my account and there was a Claim reversal charge of {$48.00} on my account. The bank sent me a letter saying my claim had been reviewed and they found the charge to be legitimate and some my claim is closed. I have tried calling the Chase Fraud team multiple times since receiving this letter, but they double down on what the letter says. 

It is so frustrating because I feel like I can't trust my bank. I did not make these charges. XXXX is out of XXXX. I live in the United States. These transactions are not from me.
Product: Checking or savings account

I had Wells Fargo business account for 1 years XXXX XXXX XXXX XXXXXXXX over the past year! 
And last month XXXX I XXXX XXXX XXXX XXXX XXXX  person for around {$8000.00} they buyer already get the shoe and all my XXXX XXXX XXXX XXXX no return! 
After few days the buyer try to get refund, I refused! And. The buyer file claim with their bank he sent money though XXXX and my XXXX get banned right now Wells Fargo try to closed my account thats not fair my bank Wells Fargo said my name will be closed by XX/XX/XXXX and they told me my business account and personal account all gon na be closed I just try to keep my account I need help with this. I XXXX XXXX XXXX for XXXX years! I had Wells Fargo account over a year before is no problem only this guys sent me 3 times payment though their bank XXXX. Thats really not fair for me
Product: Debt collection

XXXX with Recovery One has called me many times in the past months from tapping into my inlaws phone nubmers as well as other deceiving phone numbersShe and her staff have been harassing and threatening to me multiple timesI have been making payments on the amount owed. 
I told her today I would make a payment of {$500.00} on Friday and she could go ahead and take the pre payment today and hung up on me told me to never call back again she would just sue me. 
I am working towards paying off the debt as much as I can but I have received no cooperation from this company. Only hateful phone calls! I am hung up on and threatened with a lein on my home, being sued, calling all my family members as well as personal friends. I have not been told when they call me they are with a debt collector to collect a debt either. I want to continue to finish out my payments with good standing. I want to pay the account in full as soon as I can. I am having no luck with this company and no cooperation.
Product: Credit card or prepaid card

cards were checked when i went to use cards- cards were declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified this account as accurate. I do not agree.