23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called regarding a debt I owed I spoke to 2 different representatives on XX/XX/2021. XXXX XXXX gave me the wrong information would not answer my questions regarding my debt they alleged that I owed and I spoke to XXXX XXXX who transferred me the 3rd time I called then hung up on me when I called back. Both representatives hung up on me and refused to help me when I was asking questions about my account. Very unprofessional, and not even willing to talk to me so I can try and take care of this account theyre saying I owe on that I also didnt receive a debt validation for.
Product: Debt collection

I am writing in response to your recent communication regarding the investigation results of my credit dispute, dated XX/XX/2024, in which you provided information regarding the status of certain disputed items on my credit report. 

While I appreciate your efforts to address my concerns, I must express my dissatisfaction with the response provided. Upon reviewing the details provided by TransUnion, I find that there are several crucial points that were to my assumption blatantly denied due to inability to produce requested evidence and now consequently demand immediate attention. 

First and foremost, I had explicitly requested that TransUnion provide me with the investigation results including all documentary material, in accordance with the regulations Transunion and its employees are bound to ; The Fair Credit Reporting Act ( FCRA ) and federal law. However, the response provided by TransUnion fails to fulfill this demand. It was imperative that I was provided with detailed documentation regarding the investigation process and validation of the disputed accounts, or they were to me removed within 4 days as per the statutory requirements outlined in 15 U.S. Code 1681c2. 

Furthermore, I wish to emphasize that the alleged charged-off accounts mentioned in my credit report have already been paid in full being that a charge off is nothing more than a tax write off. Despite the full payment of these accounts, TransUnion continues to report them as charged-off, which is inaccurate and caused significant harm to my character & to my creditworthiness. Additionally, it is important to note that no Form 1099-C has been issued for these charged-off accounts, which raises questions about the legitimacy of the charge-off status and suggests that TransUnion may be engaging in tactics to extort payment under duress. 

Lastly, it has come to my attention that XXXX XXXX is listing XXXX different accounts, each with different account numbers, amounts, dates, and statuses. This inconsistency raises serious doubts about the accuracy and reliability of TransUnion 's reporting. How can XXXX person have XXXX different accounts with the same company? It is evident that TransUnion is incapable of collecting accurate information regarding these matters, and as such, I demand that these accounts be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I had an unauthorized transaction of XXXX dollars taken from me and it was sent from XXXX apparently. I called my bank Chase bank and they said there is nothing they can do about that which makes no sense.
Product: Student loan

I am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.
Product: Debt collection

I keep getting repeated phone calls from a XXXX, North Carolina debt collecting company that identifies itself as " Sequium. '' I do not owe debts, and every time they call back they ask if I'm somebody else. I've repeatedly asked them to stop and told them they have the wrong person, that they need to stop calling me, and they refuse to quit. It's getting in the way of my college classes, as these calls are almost nonstop.
Product: Credit reporting or other personal consumer reports

I have been trying to log in to my account with Transunion to put a credit freeze on and am unable to contact them. I can not log in and they say my log in information, user name and/or password, is incorrect. I have tried to change my password and am not able to do that either. I have tried multiple times to call their phone number, XXXX, to get help with my log in and am not able to get through. The phone number is the XXXX on their website. They claim they are having website problems and I need to try again later and on the phone I am kept in a loop waiting for an agent to take my call. I tried press option XXXX to have them call me back and that did not work either. When I press XXXX to stay on the line they play an incredibly loud and piercing sound that is deafening and hurts my hearing. I eventually have to hang up before I go XXXX. They need to contact me and provide me with assistance to change my password so I can log in and they also need to put a freeze on my account. I am placing a freeze because my information has been compromised twice recently. Other consumers need to be made aware that Transunion is a poor credit bureau, I can't even get my free credit bureau report from them.
Product: Checking or savings account

XX/XX/XXXX I visited a Wells Fargo deposit a check of XXXX with a teller. A portion of my refund was released of {$220.00} on XX/XX/XXXX. Next day on XX/XX/XXXX I looked at my account and notice my account was in the negative. I called Wells Fargo to see what was going on then they informed me I would get a letter in the mail stating what was the problem. The letter stated refer to make. Then I reached out to the company XXXX XXXX to let them know the bank was unable to verify the check & Wells Fargo returned the check. XXXX XXXX reset the check but didnt work bank rejected it again. I reached out to the XXXX and XXXX XXXX but no resolution. Wells Fargo returned the check again. I have went to the bank sat there XXXX hours because XXXX XXXX wants them to do a Hold Harmless Letter Well Fargo decline to help provide the correct documentation. Neither company is trying to compensate me with my funds. A police report has been made as well
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ( listed twice with two different balance ) has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15USC 1681 section 604 A section 2 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 consumer report containing any of the following items on information or any other adverse item of information other than records of convictions of 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2024 Company or Bill Collector damages your credit through no fault of your own, By failure to validate debt when asked and falsely reporting the debt which interim damage reputation and or prevented me from credit approval due to score dropping. 

I have and never applied for credit or cash advance from the following and has requested removal in writing to the following. 

1XXXX XXXX XXXX XXXXXXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 2. XXXX XXXX XXXX XXXX DEBT WAS REPORTED AS FRAUD NEVER SENT PROOF OR A VALADATION OF THIS DEBT AFTER XXXX REQUEST **** NEVER SUPPLIED 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I HAVE NEVER OPEN AN ACCOUT WITH THIS MERCHANT -A REQUEST FOR VALIDATION OF THIS DEBT / CONTRACT/ BILL ****NEVER SUPPLIED AFTER REQUESTED At this time Im requesting removal of each an all collection reported in error after 3 attempts to seek validation no report or bill or validation has arrived Please remove the following collection agency due to lack of knowledge of proving matter was legitimate prior to report and no notification due to identity thief no knowledge of this debt was ever rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My twin sister 's name is the main name associated with my social security number. I've been unable to remove it from my credit report after calling, mailing copies of my social security card and driver 's license, and filing an online dispute. I am unable to obtain any credit through places that run checks with Transunion, as it comes back as saying that my social security number does not match my name.
Product: Credit reporting or other personal consumer reports

TD bank provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with TD Bank ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( $ XXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with TD Bank.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX
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. 

XXXX XXXX  bankruptcy # XXXX XXXX XXXX XXXX XXXX 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 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 Must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint :  XXXX   <P/> I sent letters to company requesting verification/validation of this account via my signature. They responded on   XXXX     with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ct XXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX
Product: Checking or savings account

I deposited a check from XXXX XXXX XXXX XXXX over XXXX $ ( covering the refund of my security deposit ). Through my Banking App, I received a notification that Bank of America had put a hold on my check fir 9 days, providing a list of potential reasons, but no specific information. I have no history of defaults and it is not an unusually large amount of money compared to other transactions. 
I find this excessive hold unjustified, Bank of America is abusing their dominant position. It reflects potentially fraudulent activity, I.e. to make money on interest out of phony justifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX  Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]
Product: Credit reporting or other personal consumer reports

I appreciate the efforts made to remove some of the fraudulent items from my credit file resulting from alleged fraudulent activity. However, there remain items that still require removal. Upon reviewing my latest updated personal credit report, I noticed that unauthorized credit inquiries persist. I have personally contacted these companies and requested the removal of their inquiries from my credit profile. Furthermore, I previously requested that you initiate an investigation into the inquiries listed below on my credit report to determine their legitimacy. I am confident that you will find my allegations to be true, and therefore, I request the removal of the following inquiries : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I kindly request an updated copy of my credit report reflecting the removal of these remaining inquiries to be sent to my provided address.
Product: Mortgage

ON XX/XX/XXXX I RECEIVED NOTIFICATION FROM THE HAZARD INSURANCE PROVIDER THAT LENDER FAILED TO PAY THE POLICY RENEWAL FOR COVERAGE FROM XX/XX/XXXX THRU XX/XX/XXXX. ON XX/XX/XXXX LENDER MAILED ME NOTIFICATION THAT AS OF XX/XX/XXXX HAZARD INSURANCE HAD EXPIRED AND REQUESTED EVIDENCE FROM ME OF COVERAGE. I HAVE HAD AN ESCROW ACCOUNT SINCE THE INITIATION OF THE LOAN AND LENDER FAILED TO PAY THE INSURANCE WITH THE ESCROW ACCOUNT. THE INSURANCE POLICY COULD NOT BE REINSTATED ACCORDING TO THE INSURANCE REPXXXX ON XX/XX/XXXX WHEN I CALLED. SO LENDER IS RESPONSIBLE, ACCORDING TO REP.
Product: Credit card or prepaid card

I received a letter from Chase lending services that said I requested not to ever have credit consideration. I NEVER did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a Federal Civil Court Complaint and Subpoena for XXXX, Transunion, and XXXX to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Product: Credit reporting or other personal consumer reports

Please delete the following addresses from my credit report files as do not recognize this address : - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit card or prepaid card

XX/XX/XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. 
As your record indicates, I have dealt with the XXXX  of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. 
As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). 
I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. 
Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Link to brothers obituary XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I would be very grateful if you would kindly delete my credit card from the record. The credit card has been paid in full plus any applicable late fees. In the end you made a lot of money from me. As your record indicates, I have dealt with the XXXX of my brother in XX/XX/XXXX and my life required a lot of work and change to get where I am now. I left a job and moved home from XXXX to XXXX to be near family. We are in a much better place emotionally and financially now. I continue to pay my credit card on time and have a small balance now. As I am sure you are aware, having a good credit score is important for many purchases in life. I would be very grateful if you would please ask the three credit agencies to remove any derogatory remarks, namely the late payments that show and/or anything else that would negatively affect my credit score. If you cant do this : DELETING THE ACCOUNT is entirely fine, as it is up to you to report ( stated before by previous cc mentioned ). I have included the obituary of my brother. This information should be in my profile, because I did call at the time to indicate I was going through a literal XXXX and needed your understanding and leniency. Thank you for being apart of the rebuilding after the hardest event in my life. 
Kind Regards, XXXX XXXX Please see attachment with Death Certificate indicating XXXX  by a XXXX shot to the XXXX. Link to brothers obituary XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint regarding an inaccurate account reported on my credit file. The account in question was placed by Transworld Systems, though I have never had a contractual agreement with this company. 

It appears that the original creditor, XXXX XXXX XXXX, transferred or sold my account without providing proper notification. This constitutes a violation of Fair Credit Reporting Act ( FCRA ) Section 611, which ensures the accuracy of reported information. Additionally, this may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 Equifax reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told that I need to file a fraud report