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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Debt collection

Frederick J. Hanna & Assoc. P.C. in XXXX and XXXX XXXX constantly tried to solicit money from me or they would sue me and take whatever they could to satisfy the debt even if it was everything i owned. After months of harassment they forced me into signing a repayment agreement and a Confession of Judgement. I think I was cohereced into something thats not right or even legal. They have been aggressive and abusive with their constant threats of wiping me out if I did n't agree to sign papers and send them money. So I finally did, I think this type of threat and coercion may be illegal and I ask for your help.
Product: Credit reporting

I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant login to TransUnion. Ive tried so many times this week every which way possible. First it tells me that I have an account with them already created that I need to login but its not recognizing my login info so I asked to do a reset to reset my password, and then I asked me for my last name and my Social Security number and then, when I give my last name and Social Security number, and then tells me that my last name in my Social Security numbers, dont match up. Obviously, this is not true! I tried to do chat with the platform through the app and through the website and the robot tells you that you need to login before you can chat and since I cant login I cant chat. So then I called to ask for help and when I called, I was put on hold And after XXXX minutes hung up on. Ive called XXXX times in the last week and I cant get anyone on the phone. I need to unfreeze my TransUnion account so that I can apply for a loan and I cant get into TransUnion using the mobile app or the website and theyre not recognizing my information and theyre telling me my information is wrong and I cant get anybody on the phone to fix it. I need to unfreeze that account and I need access to my TransUnion account info. I also am disturbed that the website in the mobile app is telling me that my Social Security number is wrong and its not wrong because Ive had the same Social Security number since I was born. I need to unfreeze my TransUnion so that I can apply for a loan. I have no way to reach TransUnion as Ive tried every which way possible and they are unreachable. The other problem Im having with TransUnion is that at one point the screen opened up that said that I had to start an account with the transition website to access my information so then I would try that way to start up a new account and then I get a prompt response saying you already have an account with us please login using your login info. So I also tried that way as well, and I still cant access it or get into the website. The last thing I want to point out is that another screen popped up at one point and it said in order for me to access my Social Security information and freeze and unfreeze my account, I have to pay to subscribe. I need my TransUnion account unfrozen if its actually frozen and I need access to my credit report through TransUnion. Can you help fix this problem because theres no way I can fix it on my end as the company is not reachable. Thank you!!!!
Product: Credit reporting or other personal consumer reports

In Acordance with the Fair credit reporting ACT 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 Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EXPERIAN are providing false information regarding my actual situation, that is causing me a lot of emotional damage, but also their wrong information is blocking me the opportunity to get credit from banks or credit cards, because I want to build my credit but because their false information, they make me look like a risk person. I summited a banckrupcy and it was discharged on XX/XX/2022XXXX XXXX XXXX, that erases all the debts under my name, but they continue showing old and not accurate information ignoring the judge resolution. I asked to remove that information but they insist not to remove it. Also, it was a very hard time for me to get my own reports because they took too long, more than a year to send me my information, but they do inmediatly with the banks or other agency, that is not fair, because is not only the false information, it is also the discrimination to me.
Product: Checking or savings account

Chase bank did protect my money well, and the chase bank didnt take care of it
Product: Vehicle loan or lease

I took a XXXX title loan and was charged XXXX XXXX dollars in interest I've paid them a little over {$26000.00} and counting over the course of time the loan was fulfilled last year but I'm being told it was not and being forced to pay more than enough
Product: Credit card or prepaid card

On XX/XX/2022 XXXX charges were posted to my XXXX XXXX  XXXX XXXX  ( Barclay XXXX XXXX ) These charges were for : {$99.00} {$100.00} {$120.00} XXXX reported these charges to them immediately. They reversed these charges and said they will be doing an investigation to make sure these charges were fraudulent. After their investigation they reversed XXXX of the XXXX charges and told me the charge for {$120.00} was a valid charge. I called the merchant myself and confirmed with the merchant that ALL charges were fraud. They emailed me documentation showing all XXXX charges were refunded back to my XXXX XXXX  XXXX. I called Barclay XXXX XXXX and they asked me to fax over these documents. I faxed these to them on XX/XX/2022. They still refuse to reverse the charge for {$120.00}. I have called and emailed Barclay XXXX XXXX SEVERAL times and they kept saying they were still investigating and it would take XXXX billing cycles for it show a credit. I emailed them again today and now they are telling me the {$120.00} charge is valid and it will not be reversed! 

I want the charge for {$120.00} plus the interest accrued refunded to my account immediately!
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus over the XXXX collection accounts reporting on my credit files and requested proof of wet signature showing that i owed the collections and that the reporting owner is the original account holder.
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and noticed a collection I knew nothing about. This is affecting my creditworthiness and being considered for purchasing opportunities.
Product: Credit reporting

XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please
Product: Credit reporting or other personal consumer reports

THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY *XXXX ACCOUNT *XXXX XXXX XXXX XXXX Balance {$5000.00}
Product: Credit reporting or other personal consumer reports

I have 3 XXXX XXXXXXXX credit cards XXXX have a limit of XXXX $ and the other XXXX XXXX Over the past few months when I got laid off I had a few payments missed XXXX actually to be exact for the month of XXXX and XXXX I started paying down balance in increments of XXXX XXXX In XXXX my balance was reported to have been maxed out or utilization between two cards were at XXXX XXXX  I have made several payments a month towards both cards XXXX XX/XX/XXXX I made a XXXX $ payment and on XXXX XX/XX/XXXX I made a XXXX $ payment, XXXX XX/XX/XXXX made a XXXX $ payment, Jan XXXX XXXX XXXX payment, and Jan XXXX XXXX XXXX payment my current balance for that specific card should be updated and reported as XXXX $ remaining as balance to pay off but it hasnt been updated or reported to my reports since XXXX my other credit card balance is currently at XXXX where the same thing Ive made several payment towards balance and reports are not updated Dec XXXX XXXX XXXX  payment, Jan XXXX XXXX XXXX payment, XXXX XX/XX/XXXX XXXX payment, JaXXXX XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX payment utilization is down and reports are not updating accurate info
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the validity of my student loans due to violations of the Family Educational Rights and Privacy Act ( FERPA ) and other applicable privacy laws. My private student loan data was accessed and exploited without my consent by XXXX XXXX and DOGE. I have already filed a FERPA complaint with studentloans.gov.
Product: Credit card or prepaid card

I have a zero interest if paid within one year credit card that was issued by Wells Fargo for an XXXX central air unit. I have automatic payments. I want to change the payment to increase it, but the Wells Fargo website says i can't change it online, but I have to call customer service. I called customer service and they told me they can't change the payment, they can only cancel the current payment and add a new one,  which will take 30 days to become effective. That means it would miss my next due date ( or as its 30 days, any consumers due date ), and I might be late on my payment, triggering all of the interest they forego when I pay my balance in full within one year. 
Very crooked customer service from Wells Fargo, the issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me and they are severely affecting my credit. They need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & XX/XX/XXXX.
Product: Debt collection

All of the above. 
Upon finally leaving XXXX as a XXXX on XXXX i hired a local cleaning crew give our base housing another final clean. The management told us not waste our money due to the fact that our residence was the last house remaining with carpet. We were told they would tear it all out and lay hard wood like all of our neighbors. I thought it was finished. I was wrong. 
To check out of base housing por house was inspected. We passed. 
With My papers signed we left XXXX military life headed to Idaho. 6 months later my wife started getting phone calls throughout the day ... Every day. All day. Some minutes apart. Some hours apart. 
She nearly answered them all. Diligent to find out who was harassing her she maintained her routine. I would n't have. But they did n't call me ... The XXXX, who 's credit it 's on. Who 's name was the housing. 
When called base to figure out the details XXXX military housing said did n't owe anything and agreed with the previous statement that the floor covering removed and a wooden laminate was put in place. 
However the so- called dent is still reflecting on my credit. 
I want the whole thing And all derogatory remarks removed.
Product: Money transfers

On Wednesday XX/XX/XXXX, I set up a sales post on XXXX to sale my vehicle. XX/XX/2015 XXXX XXXX. ( This was my first time ever posting anything to sale on XXXX ) At XXXX the same day, I received a text notification to my cell phone from an individual who claimed the name XXXX XXXX from Indiana, who said she was interested in my sales ad to purchase the vehicle. She texted that she could not talk over the phone due to XXXX of being XXXX. So we communicated concerning the vehicle via text. She agreed to purchase the vehicle as the said price of XXXX by way of XXXX deposit. However, at the time of purchase, she sent me multiple emails on behalf of XXXX, that for security purposes between the buyer and seller, that I had to pay XXXX upfront to cover the fees for car pick up, shipping, and delivery, which she claimed was included in what she transferred to XXXX ( total of XXXX ). The assumed claimed agent over the account was XXXX XXXX. After transferring the funds through Walmart2Walmart money transfer, no funds were officially sent to my account and she took the {$1300.00}. In addition, she asked for another {$920.00} to cover insurance costs in having the vehicle sent. The entire situation was very frustration and deceiving. I was totally thrown off by this and really want justice from this. I have saved every email received and receipts.
Product: Debt collection

I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to XXXX XXXX XXXX. This account appears on my credit report ( XXXX XXXX TransUnion ) inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.
Product: Checking or savings account

On XX/XX/XXXX two checks were submitted for payment and they were enough funds in XXXX XXXX XXXX business checking account to cover the payments for the checks. There was also a hold put on the account for payment the next business day of XX/XX/XXXX,  in which they were funds to cover the hold payment. Instead of Bank of America paying the two checks, they returned them and charged the account two returned items fees of {$35.00} each in addition to an overdraft fee of {$35.00}, that total {$100.00} in fees.
Product: Debt collection

Good afternoon, Today I received repeated calls on my landline and the phone is not even registered to my name. I noticed it was an ( XXXX ) number so I figured it was not important. I decided to pick up on the 4th time and they asked for me by name. I lied and asked to take a message. The person on the other end of the phone said it was medical information that could only be discussed with the person they were trying to reach and asked me to note the callback number. I looked it up and it was Midland Credit Management ( XXXX ) XXXX and in researching them, it appears they have a history of illegal and/or unethical practices. Can you explain my rights and how to handle this situation? Thanks!
Product: Debt collection

Debt was paid in full through XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in XX/XX/2018. {$540.00}. Payments were submitted by me to XXXX then directly to XXXX XXXX XXXX ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. MCM Account # XXXX. Original Account was Ultamate Rewards XXXX Bank Account XXXX. MCM refuses to remove account from credit report and report account as paid in full. Attempted several communications with MCM through XXXX to no avail. Disputed with XXXX  credit company MCM refuses to acknowledge debt paid in full despite XXXX providing proof of payments.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.
Product: Debt collection

The company XXXX XXXX has called multiple times and threatened to serve me with court papers. They also threatened to take me to jail. I have been receiving calls and voicemails since XX/XX/2018. I reached out to the company and they stated they can not work with me on a payment plan to help reduce the debt.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispu
te. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.