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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : 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 XXXXXX/XX/XXXX violated my rights. I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

No Contract exists for A RECEIVABLES PERFORMANCE that starts with XXXX. 
XXXX  refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to XXXX that the information is accurate. This is not so. It's reporting illegally on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions Unauthorized Credit inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent failure to remove charge-off accounts from my credit report despite numerous attempts to rectify this issue. 

Over the past several months, I have diligently pursued the removal of inaccurately reported charge-off accounts from my credit report through multiple rounds of dispute. Despite my efforts, the credit reporting agencies have failed to take appropriate action to correct these inaccuracies. 

The continued presence of these charge-off accounts on my credit report is severely impacting my creditworthiness and financial standing, making it difficult for me to access credit and financial opportunities. 

I have followed all required procedures outlined by the Fair Credit Reporting Act ( FCRA ) and have provided extensive documentation to support my claims, including evidence of payments and communication with creditors. Despite this, the credit reporting agencies have disregarded my requests for removal of these erroneous charge-off accounts. 

I request that the you intervene in this matter to ensure that the credit reporting agencies fulfill their obligations under the FCRA. This includes conducting a thorough investigation into my dispute, promptly removing any inaccurately reported charge-off accounts from my credit report, and providing me with a corrected copy of my credit report. 

Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX  XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

After reviewing my credit report with all XXXX Credit Bureaus ( XXXX and XXXX ) I noticed a derogatory item from USAA Bank on all XXXX Credit Bureaus, " of a debt/charge off for {$6800.00}. '' I sent USAA a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act '' of this debt/charge off for {$6800.00}. '' Verification meaning competent evidence bearing my signature. USAA received my letter on XX/XX/2017. In my letter I requested for them to remove this Account " of a debt/charge off for {$6800.00}. '' from my report if they could not provide me with competent verification of this account with my signature. USAA has not responded to me at all. 0 correspondence and they did not dispute the account with the credit bureaus. This Account " of a debt/charge off for {$6800.00}. '' that USAA is reporting to XXXX and XXXX, all XXXX of the Credit Reporting Bureaus which is affecting my credit scores negatively and preventing me from granting credit. I want this Account " of a debt/charge off for {$6800.00}. '' removed. USAA failed to respond in 30 days of my letter and did not provide me with any competent verification of this Account " of a debt/charge off for {$6800.00}. '' bearing my signature. Id also like to note that I have sent the same letters to each Credit Bureau requesting verification and all XXXX ( XXXX, and XXXX ) have failed to provide me with evidence bearing my signature in regards to the Account " of a debt/charge off for {$6800.00} with USAA. '' Thank You
Product: Credit reporting or other personal consumer reports

Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
Product: Money transfer, virtual currency, or money service

Wells Fargo performed an unauthorized payment from my linked bank to pay for my Wells Fargo credit card in the amount of XXXX XXXX
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : 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 XXXXXX/XX/XXXX Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit card

I Opened a credit card at PC Richards with a synchrony bank credit card I was supposed to receive the item within days however it took months and the bank started billing me immediately. I contact them and they said that they would extend the deferred payments for another year. They subsequently stopped it at the original. Time that the promotion was for leaving me a year without having the deferred interest rate I contacted them and they refused to uphold what their employee had a greed to when asked to review the transcripts of the recorded phone lines. They refused this is Common practice with these credit card companies not following through with what is promised I wouldve never opened up the credit card
Product: Debt collection

Debt Collector is still reporting debt that they state they submitted a request to be deleted in 2014
Product: Checking or savings account

For months I have been charged overdraft fees from navy federal credit union
Product: Debt collection

I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. Yesterday I got a missed call from bright lending. Then this morning I got an email from bright lending asking if I believe in second chances. The email said my bright lending is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during XXXX  with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.
Product: Debt collection

I am asking that Messerli & Kramer send me a letter that confirms my debt of {$2600.00} ( which includes interest ) has been settled in full with the payment of {$2400.00} on XX/XX/XXXX. I have not yet received a document from you with these XXXX numbers explicitly stated. 

On XX/XX/XXXX a letter was sent from the Messerli & Kramer office confirming a settlement arrangement for a debt ( for which they had a judgment ). The settlement arrangement was at 90 % of the total debt ( including interest ) and was made earlier that day over the phone with their agent, XXXX XXXX The settlement was for {$2400.00} and XXXX XXXX confirmed that ( XXXX ) a satisfaction of judgment with the court would be sent, and ( XXXX ) a written confirmation would be sent stating that the payment of {$2400.00} was made and that payment settles the entire debt ( {$2600.00} ), as per our agreement. As of XX/XX/XXXX, I have not received the second part of this agreement. 

On XX/XX/XXXX they sent me a letter claiming that I have a remaining balance of {$260.00}. In the meantime, I had multiple recorded conversations with their agents on XX/XX/XXXX, XXXX and XXXX, where all agents spoken to confirmed the debt was settled. The letter sent on XXXX XXXX, XXXX was in direct violation of the FDCPA ( section 808.1 - Unfair Practices ). They were trying to collect on the remainder of the amount that we already agreed had been settled. 

On XX/XX/XXXX, they sent me a letter stating they filed a satisfaction of judgment with the court. This letter did not list the interest on the debt and simply stated that the original debt was satisfied for {$2100.00}. 

On XX/XX/XXXX, their agent, XXXX XXXX, hung upon me when I requested this letter be sent. 

I am requesting a confirmation from Messerli & Kramer that states that I paid {$2400.00} and that this settles the debt amount of {$2600.00} ( as per our agreement on XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX 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 Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Mortgage

My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.
Product: Mortgage

Hello, I have a conventional loan through UWM, United wholesale mortgage. In XXXX I requested the process from them to remove XXXX, XXXX XXXX XXXX. I got around to submitting the required information through email. Previously I was told it had to go through mail but after receiving instructions through their portal ( I still have record ) its stated Alternatively the request and any additional information may be sent to XXXX Due to these instructions I submitted the request and required information to start the process of XXXX  removal. My XXXX ratio is well over below 80 % and shouldnt need an appraisal but I was ready to do so. This request was submitted XX/XX/24. I was told they had 30 days to respond. After 30 days I followed up after not hearing anything and they then asked for the information I had already provided. I was blown away that I was submitting the information again. They then said it would take another 30 days. 

I now have wait a total of 60 days and have been told I wont have an answer until XXXX. I have reach out directly to the XXXX  administration and UWM multiple times with no clear path to resolution. 

At this point I feel they are holding me captive to a unneeded insurance that I am trying to terminate. I have paid several hundred in extra XXXX  insurance and have had no clear communication as to why my request is not being taken seriously. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$24000.00} XXXX XXXX $
Product: Consumer Loan

I have had numerous issues with XXXX. This particular issue is that as I am working to rebuild my credit following a bankruptcy, I have an auto loan that I had prior to filing my Chapter XXXX bankruptcy. I reaffirmed the debt and had to dispute with XXXX that the amount was n't in bankruptcy. After that was finally resolved, they continue to report that my account is closed. I have disputed this no less than five times, online, by phone and in writing. This is a company whose sole purpose is to fairly report credit and they had done absolutely nothing to confirm that my account is open and current or they would have accurately reported it. XXXX does n't seem to do any due diligence in trying to accurately report credit for consumers. Moreover, they have reported payments being made after my account was allegedly closed ( because it is still an open account ). This is just one of the recent problems I have had with Transunion. This is important to me as I am rebuilding my credit and having an open, current car payment loan is good for me and hopefully my next car loan wo n't be at 12 % interest when current interest rates are 3-4 %.