23daVinci/CFPB_Complaints huggingface dataset:
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. TransUnion 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 XXXX9transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Alleged Debt {$500.00} - Account XXXX BONNEVILLW COLLECTIONS INC XXXX XXXX XXXX XXXX UT XXXX Explanation, Counter offer Dear Sir/Madam I disputed this alleged debt on XX/XX/XXXX, so I reached out XXXX XXXX XXXX Regarding this alleged debt is not accurate and not even exist in first place so long story short I started visit medical center for treat my XXXX XXXX XXXX with XXXX  and XXXX  XXXX XXXX and XXXX XXXX  XXXX we agreed I pay only {$50.00} for visit instead of {$150.00} Because I wasnt insured and I been visited 8 ( Eight ) times and I have recorded and receipt for every visit so the agreement we made of {$50.00} pay for visit, so I purchase insurance on XX/XX/XXXX then I went 2 time visit on XX/XX/XXXX, XX/XX/XXXX and here is transactions from my bank statement, Which I can send copy - XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, XXXX  XXXX VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX * PA {$50.00} XXXX XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, AUT XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXXXXXX * PA {$50.00} So when I checkout on XX/XX/XXXX, XX/XX/XXXX I did asked the receptionist I got insurance, but i already paid {$50.00} today but it seem like you guys out of network on my policy, she said we can try so based on that the agreement pay per visit {$50.00} which I paid and I can send proof its variable contract, so the alleged debt is not even excist in first place, but morally because XXXX XXXX and XXXX XXXX XXXX were very nice to me I can offer rest of this two visit which is {$150.00} counter offer of original amount after paid already {$100.00} for this 2 visit Please let me know whether you are to accept counter offer for on time payment to settle this account. If so, please tell me in writing my offer to accept it, so I can issue Cashier check once I received a settlement letter amount of {$150.00} on time payment lum sum of ( XXXX XXXX XXXX Dollars only ). 

Note : i'm offer this amount morally based on my manners not because i owe you Thank you for your corporation
Product: Money transfer, virtual currency, or money service

In XXXX we had 2 large ACH withdraws out of our Chase account totaling about {$11000.00}. We were able to go INTO the branch and file a fraud complaint resulting in getting our funds put back into our account. 

I had most of our money in our new savings account which is an account we do not typically have activity in because it just sits holding money. I more closely monitor our checking account because that one has activity in it. I did not notice the {$2.00} ACH from our savings XX/XX/XXXX then in XXXX XXXX {$2.00} and {$2.00} XX/XX/XXXX XX/XX/XXXX {$3.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$9.00} At first I glanced at these smaller amounts because so minute I thought dividends it did not register. Then on XX/XX/XXXX as the country was facing a pandemic and things were shutting down larger amounts started coming out. I was like most people dealing with job loss, children having to learn how to work from home to keep up with schooling. My husband was trying to retain the clients he had by offering free services so that they might return when businesses opened up again. Not normal circumstances for anyone. 

As we sat struggling through quarantine, the hackers successfully removed {$7400.00} from my savings in 10 transactions between XX/XX/XXXX and XX/XX/XXXX. I was notified that I reached the withdraw limit that's when I noticed the activity and filed with chase fraud that moment. Because they were so helpful the first time this happened I had no doubt that they would seen this fraudulent activity and we would see out money again. 

I understand that this is spread over a period of time. What they need to understand is the situation itself. This is an account that we let sit so do not check on it as often as we should. The actual time frame with the most money stolen was during a worldwide pandemic which everyones focus was all over. The vendor name on the ACH transfers was one we are familiar seeing because we use XXXX XXXX   however this is not actually XXXX. Even that did not put up a red flag at first glance. 

There is information I found when looking at regulation E which was written back in the XXXX XXXX when we really didn't use online banking like we do now. Perhaps that should be updated. Apparently there is only a 60 day window from the first transaction which there was only one XX/XX/XXXX for {$2.00} then nothing until XX/XX/XXXX so nothing else is even considered even though it is straight up theft any way you look at it. I do take responsibility for being in a terrible situation along with the entire world, country, and state and I do wish I would have caught this in XXXX. If it was in the checking which we use daily it would have been caught ASAP, first attempt. 

Thank You XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to whom it may concern, In accordance with the fair credit reporting act XXXX, Transunion, XXXX, has violated my rights. The most recent contact with them on XX/XX/2022 and previously on various other dates, this contact was a request to update the contact information on my account to remove all inaccuracies with my personal profile such as incorrect spellings of names, date of births, unrelated address, and employers. Please see attached previous letter. In addition they have failed to respond to the most recent letter on XX/XX/XXXX, XXXX in accordance with the FCRA regulations. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Product: Debt collection

I HAVE NO CONTRACT OR DEBT WITH THIS COMPANY THIS IS MY 3 TIME REQUESTING THIS DEBT OPENED DUE TI IDENTITY FRAUD REMOVED. THIS IS NOT MY ACCOUNT, I REQUESTED A COPY OF THE ORIGINAL CONTRACT WITH THEM OR THEIR CLIENT WITH WET SIGNATURES ONLY NEVER RECEIVED THE INFORMATION REQUESTED. I AM DEMANDING THIS ACCOUNT REMOVED FROM MY CREDIT NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from three consumer reporting agencies. 

TRANSUNION, XXXX, XXXX all three of the following are report ( Inaccurate information ) different CREDITORS are listed with different address for the same alleged debt. 

XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX THIS IS A VIOLATION of Fair Credit Reporting Act 15 USC 1681 15 USC 1681a ( 4 ) 15 USC1692d THIS is also DEFAMATION OF MY CHARACTER AS I STATED BEFORE, IF THIS MATTER IS NOT DELETED AND REMOVED I WILL SUE XXXX, XXXX XXXX AND TRANSUNION OF DEFAMATION OF CHARACTER.
Product: Mortgage

I sold my home back in XX/XX/XXXX ; the mortgage company was Ditech, however they filed for bankruptcy and merged/transferred services over to Shellpoint Mortgage Servicing. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a check for the overage amount of my homeowner 's insurance ( totaling {$1900.00} ) which was to be credited to me. In a previous complain that I submitted to Ditech, they responded that they had forwarded the check to Shellpoint. 

As of XX/XX/XXXX I still have not received my overage payment from Shellpoint, despite having made multiple calls and submitting a written ( email ) request to the company. I contacted XXXX, who confirmed that someone at Shellpoint cashed the overage check on XX/XX/XXXX. Shellpoint took my homeowner 's insurance credit of nearly {$2000.00}, cashed the check, and have not sent any communication as to how they are going to send me my money. Despite all of my efforts, I can not get anyone at Shellpoint XXXX XXXX XXXX to determine who at their company stole my money, nor can I get any assistance as to how they are to fix the situation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. 

Listed below are the Accounts that are being challenged : XXXXXXXX XXXX XXXX - XXXX This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Product: Checking or savings account

I chatted online with the company to ask to close this account. They said they couldnt verify me and I would need to call. I called and suddenly they could verify me, but they said they would need to have someone get back with me through email or phone in order to close my account. That was a week ago. I havent heard from anyone through email or by phone about closing my account.
Product: Prepaid card

On XX/XX/2023, I bought a prepaid American Express gift card for {$310.00}. I paid the extra {$5.00} fee, so that was {$310.00}. I called to activate it, and attempted to use it multiple times. Very shortly after, it had two major payments used that werent me. I called and asked for a check refund several times, or a replacement card. I bought this gift card from my local XXXX, and have had issues with my money being stolen off my card before. I never used any of the money on this card, and it was entirely stolen by American Express. I called several times to get answers, and they had no explanations. I was put on hold for hours at a time. Im just looking for a reimbursement check.
Product: Checking or savings account

XX/XX/2022 cashe did not dispense from the ATM XXXX the company yet to refund me for the inconveniences of the ATM. Would like interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company called World Finance Corp . They sent me a letter asking for a payment and not proof. So recently XX/XX/XXXX I sent them another letter asking for more proof or else I will have to file a suite against them. Still nothing. I too reached out to the credit bureaus for reporting this false information on those same dates. Including XXXX on all three Credit Bureaus. XXXX, XXXX and XXXX. This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to properly investigate the bankruptcy on my report. 
I provided them every documents and they keep claiming that it is mind. 
I request the proof and they refused to do so. One person put on automatic calling and claim that was the proof it it was mind. This is violation of my rights under FCRA. 
Experian claims that they verified information from XXXX XXXX and when I provide letter from XXXX XXXX plus my full report from XXXX XXXX Experian refused to properly investigate. 
I attached both letter and my full report from XXXX XXXX here. 
I also Attached the letter from the court stating the facts that they do not report to Experian while Experian claims they verified through court. That is a lie and violation of my rights under FCRA. 
I attached the screen shot from Experian website claiming that XXXX XXXX provide them the information. That too is a lie and my full report will show that. 
Experian claims that there is pending litigation and that too is a lie.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Experian RE : Notice of Claim and UCC-1 Financing Statement Dear XXXX XXXX XXXX XXXX XXXX and Experian I XXXX XXXX XXXX and XXXX XXXX XXXX am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the Florida Secretary of State, filing number XXXXXXXX XXXX XXXX XXXX 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it XXXX be effected by mutual agreement of parties, or by XXXX of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX  XXXX .... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According
Product: Credit card

Capital One appears to not provide on its credit card statements the amount of a transaction in foreign currency for transactions done outside the United States. I would like to know if they are legally required to provide this information as well as the exchange rate used and if not I would like to suggest that the CFPB issue regulations to make this a requirement. I would like this transparency to ensure accurate processing of such transactions. I do n't have a specific complaint about any particular transaction at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from XXXX XXXX ( XXXX XXXX XXXX ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my Experian report 6 months later. 

I want this removed from my Experian report immediately
Product: Debt collection

Hello CFPB, Good Evening : ) I am writing to file a complaint with bank and credit agencies that they were not able to fix this thing and putting some other identity information and charge off collection amount information on my credit report and the bank people had send me couple of multiple letters stating that I need to pay the debt off which I need to pay, where actually I don't have a bank account with them at all and they are asking me to pay, I don't know how they got my identity information and they are harassing me to pay money from past one year and I made so many phone calls to bank and credit bureau agencies to fix this problem and they are not able to help me and still they are playing with my identity and as of now I lost my credit score a lot and the result is no one is giving me any loans nor either a credit card, where it effected my score, identity completely. so I need some help and fix my credit information on my credit report properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX$3900.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Credit Collection Services has placed a Collection on my credit even though I already paid the debt, in full. Please remove as this is inaccurate reporting.