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

Transunion is reporting a collection on my report which is not mine and nothing to do with me. the collection name is XXXXXXXX XXXX  and it says that I have a balance with XXXX. I never ever ever in my life had an account with XXXX or did any business with you. I have been with XXXX XXXX XXXX for years now. I have no idea what this is but definitely not my account and transunion is reporting this unlafully without obtaining the required documents and verification that they need to follow. 

I have sent them a letter in regards to this and also asked that they provide me with any contract between me and XXXX that has my name and signature but they have failed to provide me with that proof. 

they are illegally reporting this collection account to my report without the proper and verification that they need to do to verify that this account is actually mine. 

I never ever had a XXXX account. this collection is very damaging to me and is illegal.
Product: Mortgage

The XXXX family applied for a loan modification on XXXX. They called in multiple times for updates and each time they called in they were told the package was in review and nothing was being requested. On XXXX we called in and spoke to XXXX in Loss Mitigation and she said there was NO package in review nothing was ever received and that my home would be going to sale. I have the email trail showing this info was sent in, ( Please see attached ) and that my file was being reviwed There is no excuse as to why this has happened. My sale date is set for XXXX. 
The inability of XXXX XXXX/Loan Care to receive a simple Email/facsimile or simply maintain a file is inexcusable. Not only did I timely send the information, but a successful confirmation was kept as a record. The number of times that I spoke with XXXX XXXX/Loan Care to check status of my file should extinguish any opportunity to excuse their behavior. 
Between the misplacement of our financial documents and the poor communication from XXXX XXXX/Loan Care, it is clear that they simply do not want to review our file for a possible work-out solution. 

The events described above are just a sample of the practices that are taking place at XXXX XXXX/Loan Care. They appear to be more interested in foreclosing on my home and fire selling it at auction to make a profit. It appears that their lack of participation in a meaningful modification review of our file indicates a preference to profit directly from our hardships. 

We are demanding our file be properly reviewed or we will file a complaint in civil court with the following causes of action- Negligence, Fraud, violation of California Business and professions code 17200, intentional infliction of emotional distress, and promissory estoppel. 
My family has been discriminated on based on our race, ethnicity, language and national origin. We will name XXXX XXXX, XXXX XXXX, and XXXX XXXX as defendants in this civil matter.
Product: Credit card

XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.
Product: Debt collection

When I call the number it brings me to a XXXX XXXX and never new anything about this not sure whats going on
Product: Credit card or prepaid card

XX/XX/XXXX charge to my master card - LL Bean Master Card Citibank - XXXX XXXX XXXX XXXX XXXX Massachusetts - amount {$7000.00} XXXX membership fees for the XXXX summer golf season XX/XX/XXXX called Citibank LLBean Master Card to dispute the {$7000.00} charge based on country club closing their doors and laying off all employees. have news articles stating the country club told employees they were closing. 

XX/XX/XXXX dated letter stating dispute was in process XX/XX/XXXX dated letter stating credit was issued - validated the {$7000.00} was credited back to my credit card account XX/XX/XXXX the XXXX XXXX XXXX filed for Chapter XXXX bankruptcy and new articles confirmed they were not opening/shut their doors for good and would not be opening. The chapter XXXX filing was registered and confirmed - they are closed. 

XX/XX/XXXX my account shows the charge of {$7000.00} was charged back to my account. 

XX/XX/XXXX when I noticed the charge was charged back - the {$7000.00} - I contacted Citibank LLBean master card and they told me I would be sent a letter regarding the fact the XXXX  sent them a response that it was an accepted charge. I told the credit card company that they filled for chapter XXXX and " did not and could not provide me the services I paid for '' and they told me it was still denied. They told me a letter would be sent and I could respond to it. 

The bank is telling me that I can only dispute things via writing and have no ability to talk to anyone to resolve this issue. 

The service I paid for can not be supplied - it is a fraudulent claim by the XXXX XXXX XXXX in XXXX Massachusetts that the charge is valid - they can not provide me the service I paid for if they filed for bankruptcy and have closed their door. 

thank you in advance for any assistance or advice you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked and am asking Experian to remove a bankruptcy that they are reporting due to the fact that bankruptcy courts do not report, validate, or verify ANY information. 

I will attached such a letter. 

I also took a screen shot on their site, under my account. It shows that they are reporting a bankruptcy and that the bankruptcy furnisher is the bankruptcy court itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may n ever have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Student loan

A Fedloan official called to remind me of a payment on XX/XX/XXXX, and I made a payment right away. The rep assured me that my account would be current if I made the payment on XX/XX/XXXX. Then, the rep asked about forbearance, and I informed him that I needed the take to my husband ( we just moved to new york, and we both started new jobs ). However, the rep put my account into forbearance without my permission. I made two payments ( one on the XX/XX/XXXX and the other on XX/XX/XXXX ), but it was still negatively reported. Please allow my credit report to reflect that I am current with my payment.
Product: Credit reporting or other personal consumer reports

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the XXXX Credit Report XXXX, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA XXXX obliges us to report any erroneous accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Bank Account Number : XXXX Card number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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 or other personal consumer reports

I am filing a complaint against Equifax regarding a sudden and unexplained drop in my credit score by XXXX points, from XX/XX/year> to XX/XX/year>. Despite my efforts to resolve this issue, I have not received a clear explanation for the change. On XX/XX/year>, I contacted Equifax customer service and spoke to ( 2 ) representatives who were unable to verify or explain with details other than assumptions of why they " think '' it may have dropped which did not make sense being nothing drastically occurred ( no new collections, debt, past due accounts, etc. ). I was then transferred to a supervisor after being frustrated, however both supervisor I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to verify or explain the cause of the score drop. I was told by XXXX " sir you have spoken to other reps and as you know 1+2=3 so the best I can do is file a complaint and escalate it to our IT Team who will look into this as an " error '' - complaint number was not given at the end of the call. The lack of transparency and failure to resolve this issue has left me concerned about the accuracy of my credit report along with having this stress and burden on my back as I have worked very hard to maintain a good credit score. 

EQUIFAX FAILED TO DO THE FOLLOWING BELOW.

The FCRA ( 15 U.S.C. 1681 et seq. ) - Notification of Adverse Actions : If a negative change, such as a drop in credit score, is based on information provided by a third-party lender or creditor, the consumer must be notified.
Product: Debt collection

On XX/XX/year> a purchase was made to XXXXXXXX XXXX XXXX XXXXXXXX for {$1000.00}. I noticed this on my next statement from XXXX XXXX in XXXX. I called several times and they asked my to verfy my account. They asked for my password and current address. I gave them what my password was at that time and my address which was and still is XXXX XXXX XXXX XXXX, UT XXXX. They kept telling me that I was incorrect ( rudely ) and they could not go further with the dispute. I logged into my account on my phone using facial recognition and noticed a bogus email address and residential address on my account. The address on file was XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX. I did not make this change and have never been to XXXX XXXX, CO. They credited the amount back temporarily until they claimed they did their own investigation and found the charge valid! I was told to file a police report which is attached to this dispute. More info on the attached report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 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 ) & 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 & 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. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with XXXX XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX Fraud Management OCA Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX 3 ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by XXXX for the fraudulent XXXX account.
Product: Debt collection

I had a credit debt from XXXX which I wasn't able to payback due to my situation at the time. I wasn't released till XXXX. Now, I have received no notifications until XXXX when my employer garnished my wages for a court order from Dobberstein Law Firm , LLC. An lawyer in XXXX, Wisconsin. According to Executive Order 20-50 and in extension 21-02, prohibits such actions with fines and penalties of at least {$25000.00} dollars. I did not receive any summons or notifications from the law firm nor did I receive any notice from my employer prior to garnishing my wages during a pandemic. My employer just took {$400.00} from my wages and sent it. There should have been a form in which gave me the chance to dispute the debt. I have tried to contact said law firm. My employer has tried as well. There has been no response nor any attempt to resolve the situation. And recently, keeping my own tabs on public court information, have I noticed that they have filed and received a extension from the county courts to continue harassing and circumventing proper etiquette pertaining to the case. Based on the dates of last payment cited, the debt has been " time-barred '' since XXXX. The law firm understands this and does not cooperate in resolving this issue.
Product: Money transfer, virtual currency, or money service

MONEY WAS HOLd. they ask for more documents to provide. and already provied it amount XXXX paypal account XXXX i hope to get the available.
Product: Debt collection

I'M A VICTIM OF IDENTITY THEFT AND SUBMITTED MY PAPERWORK TO THE CREDIT BUREAUS. THERE WERE TWO COLLECTION ACCOUNTS WITH THE SAME COMPANY THAT SHOULD HAVE BEEN REMOVED BUT ARE STILL SHOWING AND THIS IS HOLDING UP THE PROCESS OF ME BUYING MY HOUSE. THESE ARE THE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00}, CXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2400.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX  {$8500.00} Opened XX/XX/XXXX, XXXX XXXX {$15000.00} Opened XX/XX/XXXX, XXXX XXXX, XXXX {$15000.00} Opened XX/XX/XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a XXXX fraud report due to the inaccuracies on my credit report with XXXX TransUnion and XXXX.
Product: Debt collection

Received debt notice for account that was last posted on credit report XXXX 2013 with XXXX balance.i believe at the time account was reported I specified I did n't know who XXXX XXXX was or what account was for. It has been off credit report for a few years now.dynamic recovery solutions is showing a balance of XXXX
Product: Student loan

In XXXX of this year, I received notice that I hit 120 qualifying payments on all of my federal loans to qualify for Public Service Loan Forgiveness. My next payment on my loans at the time was due on XX/XX/XXXX. On XX/XX/XXXX, since my loans had not been discharged yet, I tried contacting Mohela to see if they could put my loan payments into forbearance while I awaited the discharge. I first called on XX/XX/XXXX at XXXX XXXX  and waited on hold for about 30 minutes, before receiving an option to " press 1 '' to get a callback rather than waiting on hold. I made that selection, and was told that I would get a callback in about 30 minutes. I never received a callback. 

Because I didn't get a callback within a few hours, I tried calling again on XX/XX/XXXX around XXXX XXXX. I waited on hold for I think about an hour before I was finally connected to an agent, who informed me that they should be able to put me into forbearance, but that someone else would have to effectuate the request. The agent put me back on hold while waiting to transfer to the other agent. I sat on hold with Mohela for a total of 4 hours during that second call on XX/XX/XXXX, and I never reached the second agent who was supposed to effectuate the forbearance. 

Because I was not sure I would ever reach a live agent again, I also separately sent a message through Mohela 's online portal requesting forbearance. I submitted that request also on XX/XX/XXXX. I did not receive a response to that online written request until XX/XX/XXXX, days after my XX/XX/XXXX payment was due. And in the XX/XX/XXXX response, Mohela refused to take any action. The response only stated : " Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. If you need additional assistance, please contact us at the number listed below. '' I replied to the message the same day informing them that a CSR never actually effectuated the forbearance, so I had to make a payment unnecessarily for the XX/XX/XXXX due date. I have yet to receive a response to that second message. 

My account is now showing that I'll have another payment due on XX/XX/XXXX, so I still do not have a forbearance.
Product: Prepaid card

They are telling me that my account was blocked between XX/XX/XXXX thru XX/XX/XXXX im receiving letters from a consulting firm telling me if I think I telling me how much money I think I should receive because of my account being blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of aacounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 og convictions od crimes which antedates the report by more than seven years. 

15 USC 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

I am intrested in disputing all unauthorized information on my credit report with Equifax. alot of information is not accurate on my 3 credit reports. this is hendering my file for approvals an accurate information. please update
Product: Checking or savings account

3 weeks ago I found a money order that i drew out on my account with formerly known as Washington Mutual who is now Chase Bank. The money order was drawn out years ago but never cashed. I pulled the money order from my account with the bank but now because its drawn out on a now closed washington mutual account they will not honor my money order and refund it. Chase bought out Washington Mutual years ago but I was a customer with an active bank account that was transferred into chase when chase took over. So Chase should honor the money order being that it was drawn out on my account with them when they bought Washington Mutual. The money order is for XXXX dollars and has been returned to me twice even after i was told they would honor it if i could provide the account it was drawn from. That account number with Washington Mutual is XXXX. This account was then transferred to my now Chase account when chase took over. This complaint is made because i feel like they are stealing XXXX dollars from me regardless on how long ago the money order was drawn. Where did the money go? The money order was never cashed. Therefore i should be refunded regardless on time passed. I have been issued fees for depositing my money order twice after speaking to Chase and being advised it would be honored. 
My account now with chase is XXXX. This is the account that i transferred into when Chase took over Washington Mutual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, DEPT OF ED/XXXX Account # XXXX, and 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