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

Transunion and XXXX continue to allow XXXX XXXX to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent Transunion and XXXX both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both Transunion and XXXX continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both Transunion and XXXX still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! Transunion and XXXX are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the AMERICAN EXPRESS charge-off account # XXXX and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this charge-off account from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Payday loan

I have never personally applied for a payday loan. A XXXX years back I was living with my ex boyfriend and was immediately made aware that he was making fraudelent purchases without my consent and got all of the purchases credited back to my bank account. I do n't know if he applied for a payday loan at that time because this is my XXXX time hearing about it and I currently have no way to contact him but I do know I 've never personally applied for XXXX. The reason I 'm filing this complaint because I am now being harassed by a collection company on behalf of Ace Cash Express and threatened to be sued for a payday loan I never applied for. Furthermore they are now harassing my father who is ill and worrying him about the matter to the point where he contacted me very upset. When I called the collection agency their primary focus was to intimidate me more into making an agreement and could n't provide me with any information about the loan other than I was going to be sued and served tomorrow if I did n't make a agreement today. The calls to my relatives and the harassment needs to come to an immediate end:
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with Southwest Credit. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.
Product: Debt collection

My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. 

I got that issue resolved by complaining to the Attorney General. 

Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''
Product: Debt collection

I am writing to dispute inaccurate and inconsistent information reported on my credit file, as it pertains to the account listed below. The discrepancies violate the Fair Credit Reporting Act ( FCRA ), the Consumer Data Industry Association ( CDIA ) reporting guidelines, and Metro 2 data formatting standards for credit reporting accuracy.
Product: Mortgage

I have a mortgage with Flagstar Bank. I have no idea how this bank is still in business. 

Noticed my mortgage payment has home & flood insurance included. I already paid both the home & flood insurance in full before I closed on XX/XX/2022. I called late XXXX to address the situation the rep said she would have someone call back. ( no one did ), I called a 2nd time, the rep argued with me said it was taxes that I was paying for ( he was wrong ), called a 3rd time the rep admitted fault. She called my insurance broker who verified that I DID pay in full and gave all the info needed. The rep said she would let escrow know. I heard nothing from escrow. I called a 4th time was on hold, the line went dead. I emailed the company no email back. I called to make an appt in person with the bank was told I had to call the branch. I called the branch no answer, so I left a message, recieved no call back. I gave a bad review on XXXX they messaged back said to use XXXX to get ahold of a supervisor, I did, no response. And here I am, with nothing resolved, no manager to speak to. This is past horrible. I just need this fixed.
Product: Bank account or service

On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars immediately.
Product: Money transfer, virtual currency, or money service

All monies that was reported to be refunded due to illegal acts and selling this to other companies without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 an credit card through XXXX XXXX was opened in my name that I had no knowledge of. I was not utilizing my credit during that time frame. I am starting this claim so that this account can be disputed and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus inquiring about hard inquiries listed that i don't recognize, there hasn't been positive resolution after multiple attempts. 
also tried to remove inaccurate personal information with zero success
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my report to this complaint. I have disputed this account and inquiries from my report as fraudulent. I have not inquired or obtained credit from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/year> Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist Dear CREDENCE RESOURCE MANAGEMENT I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 

To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency.

3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

I have not supplied doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have accounts on my credit report that does not belong to me, I called the credit card company they told me they would remove the late payments and have yet to do so
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XXXX  XXXX  {$9100.00} XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX, Capitol One XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My attached XXXX and Trans Union credit reports, both dated XX/XX/2023, for XXXX XXXX  XXXX, clearly and unambiguously show obvious materially prohibited differences and discrepancies such that at least one of the reports with XXXX XXXX  XXXX account data has inaccurate data, as both reports can not be both accurate. Investigate and permanently correct the inaccurate data or preferably permanently delete my XXXX XXXX XXXX  from every CRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$150.00} 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. I contacted the banks and talked to their staff. I explained my situation and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX, XXXX OF XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Excessive Overdraft Fee checking account number XXXX Dear Consumer Protection Bureau, I am writing to formally dispute an excessive overdraft fee of {$20.00} charged to my checking account XXXX in relation to XXXX Automated Clearing House ( ACH ) debits. These transactions occurred on XX/XX/year> for {$9.00} and XX/XX/year> for {$31.00}, resulting in the aforementioned overdraft fee. 

I believe this fee to be unreasonable given the small transaction amounts, and I kindly request a review of the banks overdraft policies in this case. Overdraft fees should be applied fairly and not burden customers with disproportionately high penalties for minor shortfalls. I respectfully ask the bureau to investigate this matter and assist in facilitating a resolution with my financial institution. 

I appreciate your time and consideration in reviewing my complaint. Please inform me of any necessary steps to proceed further with my request. 

Thank you for your assistance.
Product: Checking or savings account

XX/XX/XXXX : I deposited a {$4000.00} cashier 's check at Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to my Bank of America checking account. The funds originated from my account at California XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I made a {$4000.00} withdrawal that same day. 

Bank of America placed an unreasonably long hold ( available on XX/XX/XXXX ) on my {$4000.00} cashier check from California XXXX XXXX XXXX, which is within walking distance of Bank of America branch. There is no reason that Bank of America needs to hold these funds all the way out to XX/XX/XXXX. Usually regular checks deposited are available 2-3 business days, and cashier 's check should be available next business day. I was not given notice of the long hold at time of deposit, as this delay has caused undue unexpected hardship and opportunity cost loss. 

I am requesting that Bank of America expedites the hold inquiry immediately, as the funds are available and there is nothing that Bank of America can not reasonably verify the same day or next business day with regards to this hold. The California XXXX XXXX XXXX XXXX branch is within walking distance of the Bank of America branch.
Product: Vehicle loan or lease

Credit acceptance failed to provide debt validation with in 30 days.
Product: Mortgage

I have spoken with a banker at swan  Financial and every time I try and get answers they make me call their cell phone. My realtor also stated if I use them I will get lower costs and they will cut certain fees using them. This is making me so uncomfortable that I do not know what to do.
Product: Credit reporting

For the past five ( 5 ) years I have disputed some erroneous information on my credit report from XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.
Product: Checking or savings account

On XX/XX/XXXX there were 2 unauthorized transactions one for {$32.00} and one for {$85.00} that i did not make one was at a restaurant in texas and one was in California so i dont know why my dispute wasnt approved the time diff is a hour apart so theres no way i couldve made those transactions by the way i stay in Nevada . I tried to rebuttal twice but my dispute was denied twice by chime even though the evidence is clear as day I'm so stressed out about this situation all I want is my money.
Product: Mortgage

According to the Homeowner 's Protection Act the PMI I am being charged on my mortgage loan was supposed to automatically stop when my mortgage reached 78 %. According to my mortgage company, my mortgage is now at 75.4 %, yet I am still being charged PMI. I have emailed them twice to have this removed but they have not complied. They did send me a notice requesting I get an appraisal on the property once, but I understand the LTV is supposed to be based on the original value of my property, not the current appraised value. No appraisal should be required at this point. The Homeowner 's Protection Act defines the original value as the value when my loan originated. The mortgage company already has that figure as they show it on my online account. I did not receive a response from the mortgage company on my second request.
Product: Mortgage

XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.