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

Subject : Request for Re-Investigation of Accounts and Removal for Compliance with FCRA Dear XXXX, I am writing to formally request a re-investigation of the following accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX XXXX These accounts have already been removed from my XXXX credit report following a thorough investigation and validation process. However, they remain on my TransUnion report, which is both inconsistent and inaccurate. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all credit reporting agencies report accurate and consistent information, and this includes ensuring that information reported to one bureau is similarly reported to all others. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the FCRA, if an account is removed from one credit bureau, the other credit bureaus are required to update or remove the same account if it can not be properly verified. 

Since these accounts have been removed from XXXX, I believe their continued presence on my TransUnion report constitutes a violation of the FCRA. I am therefore requesting that both of these accounts be re-investigated and removed from my TransUnion credit report in order to ensure compliance with FCRA and Consumer Law 15 U.S.C. 1681i ( a ) ( 7 ).

Please conduct a thorough review of these accounts and confirm the outcome of your investigation in writing within 15 days. If the information is not properly validated, I expect it to be removed immediately. 

Thank you for your prompt attention to this matter. I look forward to your response confirming that these accounts will be removed from my credit report.
Product: Consumer Loan

PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.
Product: Credit card

I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. 

The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in XXXX, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have been charging my checking account for two payments every month and applying a single credit to my credit account. My bank was able to charge back the last two incorrect charges for XXXX and XXXX 2016. They also gave me proof that the second payments per month were ACH for the benefit of a different person. I 've tried twice by phone and twice by sending the credit company documentation, their statements, my banking statements and ACH debits with other persons name as proof. Their reply in all cases is my account was paid in full XXXX 2016. It does not address the issue of taking extra payments every month. They have debited 10 transactions totaling {$2000.00} from my checking account.
Product: Debt collection

XXXX XXXX XXXX has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a XXXX store. I have filed complaints with the debt collector and with XXXX and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. XXXX XXXX XXXX or XXXX XXXX does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on mXXXX XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to provide me with my consumer credit FILE. Equifax keeps closing my complaints and responding with stall tactics. Equifax continues violating my federally protected consumer rights.
Product: Student loan

I was told and pressured by Wells Fargo who were at XXXX XXXX XXXX  in 2007 to sign up for private student loans through them with a co-signer even though I really didn't need a co-signer. They told me this was in my best interest as it would make sure that the funding was there for room and board and that they would easily be able to be removed as co-signers. I left XXXX XXXX and went to XXXX XXXX XXXX where I continued my education and was unable to make all of payments on time due to being a full time XXXX. When I reached out to them to see what repayment options there were, they encouraged me to take out a loan forbearance, stating " that's what most college kids do. '' I have realized that this forbearance made it so that there was not " 24 immediate consecutive on time '' payments which apparently means ( according to there deceptive and hidden conditions ) that no matter what my co-signer can not be released from the loan. They never gave me any other options to pay like income based. They lied about it. Then through out the years they have messed up transaction records, made false statements and purposely encouraged me to make decisions that are not in my best interest. Now they sold the loan to first mark services and they said they do not have any recorded phone calls or records and that Wells Fargo would have that. I tried to reach out to wells fargo and they refuse to even speak to me and say it is not there problem anymore and they have nothing to do with it. This is unfair and very misleading actions of a company. I have requested documents and records from both institutions and still have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns Experian, with almost complete lack of ability to unfreeze a credit report in order to obtain a mortgage. This started about XX/XX/19 with " unfreezing '' such reports with both XXXX and XXXX  -- both were easy and correct the first time. It has taken me a week to figure out how to do this with Experian. I thought I had done it correctly, AND I received an email saying it had been temporarily unfrozen, so I told the mortgage lender ( XXXX XXXX XXXX XXXX  in North Carolina ) to try. He could never get into the account for that third credit report. So I tried again, and again, and it was never possible to reach a human being -- the telephone number ( s ) for consumer support ( a robot voice, apparently ) either just said ( a ) go to the website or ( b ) thank you and hung up. On one of these calls, where you are asked to press 2 or say " freeze, '' said said freeze. That was a mistake, because then Experian " refroze '' ( apparently ) my account. In the end, I had to request a new PIN, pay {$20.00} to get it XXXX to me ( great way for Experian to make money, apparently ), and try yet again. The telephone menu may have worked ( it is now XX/XX/19 ), but I am completely unconvinced that Experian can be trusted. The idea that one can not reach a human being except through really strange numbers ( not obviously ones that anybody would try, and not available on the web ), is infuriating. Whether Experian has done what I requested today is still unclear. I plan on writing my North Carolina Senators to ask whether either of them is in a position to look into Experian 's business practices and lack of adequate consumer service and protection.
Product: Checking or savings account

For over 20 months, fraudulent charges were being made using my debit card/account number from XXXX ( a service of theirs ). Once I noticed I informed XXXX as well as Wells Fargo, my banking institution. Because I do not own or have access to the XXXX account where the charges originate, XXXX was unable to help me and told me to inform my bank. When I informed Wells Fargo a claim was opened and within 10 days a decision had been made to only refund me {$30.00} of the hundreds of dollars I have been fraudulently charged. My bank refused to elaborate or look into it further, claiming they are unable to provide claim support on charges past 3 months. I provided Wells Fargo with the name, date, and dollar amount of every single charge and they only reimbursed me for 3 of them. In addition to that, they did not include every charge I flagged for the claim. The claim was missing two charges, and included 2 charges that I did not flag, despite me spending hours compiling every charge to ensure accuracy of the claim. Wells Fargo claims it is up to the merchant ( XXXX ) to reimburse the rest of the charges even though I have informed them that XXXX is unable to help because the charges come from another XXXX account. Wells Fargo has refused to help and has not provided the protection and security they claim to provide. I have lost hundreds of dollars and Wells Fargo has made it clear they do not care. When I told Wells Fargo I was concerned for my bank accounts and my money, they did nothing to help and told me to go to an ATM and withdrawal it if I am that concerned. They have treated me with disrespect and bias, and have failed to provide the account security they advertise and claim.
Product: Credit reporting or other personal consumer reports

Applied as cosigner for XXXX XXXX student loan. Denied as cosigner based on " limited credit experience ''. XXXX pulled credit info from XXXX. XXXX does not have information on XXXX of my accounts " XXXX revolving XXXX realestate '' that I have had for many years and are all in good standing. These same accounts are listed on my XXXX credit report and thus have much higher XXXX XXXX " over XXXX '' and full credit report. XXXX with XXXX they denied my cosigner based on no current credit use experience. Reached out to XXXX dispute center by phone and was told I can not dispute missing data. I then sent a dispute letter and thus far have received no reply. I have also reached out to my bank holding these XXXX accounts " XXXX Bank '' to see if they can report this data directly to XXXX. They have stated they report all credit information to all XXXX credit bureaus they simply are not pulling the data into their system. I don't understand why XXXX has all XXXX of my loans over the past 10 years and have paid off and closed " all on time with no late payments '' but refuse to investigate the XXXX that are current and add them to my report so it accurately reflects my full credit history. I have also signed up for and pay for the credit monitoring services with XXXX " using a credit card they refuse to show on my credit report '' hoping that would help. I also paid XXXX for a full XXXX XXXX report as a comparison. Its all listed right there on the XXXX report they pulled and reported to me. I also pay for the credit monitoring service with XXXX hoping to push the missing data from the other reporting agency to XXXX. XXXX also shows XXXX does not have all my credit info. I have the same missing data problem with Experian but currently XXXX is the reaason I am being denied credit with XXXX. Nothing has worked. I simple want my credit info to be reported more accurately across all XXXX credit Bureaus. Prosperity bank is willing to send over any information requested to resolve this issue.
Product: Credit reporting or other personal consumer reports

My name, address, phone are all wrong across all credit reporting agencies and its affecting my ability to obtain credit for car and home.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

My payment plan with my school was sent to collections without my knowledge. The collection company has reported this debt to my credit. Also the name they are reporting is not my name. This collection company reliant
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau Transunion and XXXX  are not willing to correct the issue.
Product: Credit card or prepaid card

I applied with AMEX today for a credit card and was denied .My credit is in good standing and never any late payments or issues. This is not the first time that this company has denied me and when I called to find out the reason I was told that was due a card that i had with them back in XXXX? I have looked all over my credit report and only card that i had was with my ex-husband and account was opened in XXXX and closed in XXXX. 
My daughter, tried to add me as an authorized user on her card and they denied me again for the same reasons a year ago .This is insane! I feel i am being discriminated due a bankruptcy that i had to file 18 years ago! The company is giving me the run around and need to get a resolution. Your help will be greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Product: Mortgage

My mortgage was sold to Flagstar Bank in XX/XX/XXXX. My homeowners insurance was renewed in XX/XX/XXXX with the same company ( XXXX XXXX ) that I have used and paid from escrow for 5+ years. In XXXX, Flagstar charged my escrow {$2600.00} for " Lender-Placed Insurance '' even though I already had homeowner 's insurance that meets their requirements. They did not call or email me before charging me this fee. If they had, I would have told them that I already have insurance. Instead, they sent me a letter on XX/XX/XXXX - 8 months later - informing me that they were charging me this fee. At no time was I aware that I had been charged previously. 

Based on the fact that ( a ) they are charging 3x the fee I currently pay for insurance ( not even obtaining a bulk discount ), ( b ) knew I had insurance from my prior lender, and ( c ) my insurance company ( XXXX XXXX ) knew that FlagStar held the mortgage, there is no conceivable reason for me to be charged this fee unless FlagStar sees the fees associated with Lender-Placed Insurance as a revenue generating stream for income. I would strongly recommend you look into their practices around this, as I received no notice before they began charging my escrow account XXXX XXXX XXXX  per year. They claim they will fix the error in 30 days, and I will be provided with a refund to my escrow, but this seems to be indicative of a larger problem with the lender that needs to be investigated to protect consumers that are not as careful at monitoring their activities. It is inconceivable to me that any company, let alone a lender, would not call, email, and send a certified letter before unilaterally imposing a $ XXXX fee, especially when it is 3x the market rate.
Product: Credit card or prepaid card

Around XX/XX/2021, fraudulent purchases were made on a wayfair credit card linked to wayfair my account on wayfair.com. There was an amount for {$760.00}, {$400.00}, and {$410.00} made on one day. I noticed these purchases from an email the following day. I reported these claims and they were resolved, but they have reissued the amount back to my account stating that I am now responsible. There is clear poof that I didnt not order these items by the name used and the location there items were sent. With the quick response I provided to the issue these orders should have been prevented from shipping and the transaction should have been canceled but the response team did not act in the proper accord to secure their assets and create a worthy customer fraud remediation. I am now stuck with a bill of almost {$2000.00} dollars that i did not authorize. I am also paying interest on an account that guaranteed 24 months not interest. 

This experience has been displeasinf for them to respond this way 60 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Email to Jefferson Capital attorney : Mr. XXXX, I have been doing my best to pay you guys off and you were professional and courteous. However, I am getting daily calls on maybe a different account or this one. I'm not sure. But my brother was here visiting and answered the phone and I was in the bathroom. Can you please pull the recording and send it to me?

Call received XXXX XXXX  est on XX/XX/2021 Caller : This is ( he didn't catch the name ) calling on a recorded line. Is this XXXX? 

My Brother : Yes Caller : This is Jefferson Capital calling about a debt you owe in the amount of $ $ $ $ $ $ ( He can't remember ) I want to know how you are going to pay this? 

My Brother : Aren't you supposed to verify who you're talking to? Because this is not XXXX. 

Caller : Well you lied on a recorded line XXXX! XXXX the phone down. 

Can you please send me a copy of this phone or tell me how I can request a copy of it? 
Everyone is struggling through the pandemic and I have done my best, but I will not be disrespected like that. 

What is the remedy for a debt collector that behaves in this manner?
Product: Credit reporting

Even though the amount was paid 4 years ago as soon as the case settled it still shows on my credit report as unpaid bill.