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

Daring back from to 2020 Transunion has been fraudulently reporting and alleged bankruptcy to my consumer report. Upon noticing the change to my consumer report, I immediately contacted US Bankruptcy Court of XXXX XXXX  and asked them if it was in their policy to furnish information to credit reporting agencies. They returned a letter back to me and notified me that it was not in the policy to report any information to any credit reporting agencies. I then contacted Transunion and was told that XXXX XXXX was furnishing this fraudulent and inaccurate alleged bankruptcy. XXXX XXXX denied ever reporting this information and sent me a letter notifying me that they had attempted to contact the three major credit reporting agencies ; Transunion, XXXX and XXXX and requested that the information that was being furnished to my consumer report be removed. Since then Transunion has willfully and knowingly been furnishing this fraudulent and illegal bankruptcy to my consumer report however this time they informed me that they were getting their information from a company called LCI. I have since contacted LCI and informed them that they were violating my federally protected consumer rights pursuant to 15 USC 1681a ( 4 ) and my right to privacy. I have also notified them that I have been been in contact with bankruptcy court and they have notified me that they do not furnish any consumer information to ANY CONSUMER REPORTING AGENCIES. I also informed them that I have been disputing this alleged bankruptcy since 2020 and have consistently demanded that this fraudulent public record be removed from my consumer report pursuant to 15 USC 1681s-2 and it is still being furnished to my consumer reporting and has caused me XXXX, financial hardship and distress. In addition to this pain and suffering I have experienced I notified LCI that they are willfully and knowing engaging in violating my federally protected consumer rights and a representative informed me that they could not do anything other than pass my request along and wait for someone to get back to me. I have not heard back from ANYONE in reference to my request!
Product: Student loan

I borrowed these loans while I attended my University back in XX/XX/XXXX-XX/XX/XXXX. I had an original balance of about XXXX after graduating. But somehow through so rough patches in life and work, somehow the student loans have gone up to XXXX. I have been making current payments for almost over a year now and it seems to not be decreasing
Product: Credit card or prepaid card

Wells Fargo sent me an email back on XX/XX/XXXX stating that I had a bonus offer of {$150.00}. I called the XXXX number as to how to redeem this {$150.00} Bonus Offer and was advised that it could be redeemed on XX/XX/XXXX by going into the branch. 

However, I just called today, XX/XX/XXXX, and was advised that I did not make the guideline because I only spent {$470.00} in the first three months. I spoke with a manager also today. I told him to pull the tapes of the phone conversations as to the Wells Fargo employees verifying that I was entitled to {$150.00} bonus on XX/XX/XXXX. I actually spent {$1500.00} in the first three months of receiving the credit card. What a rip off. If I was not entitled back in XX/XX/XXXX, why not state it at that time? Today, XX/XX/XXXX, also,  one phone rep stated that the bonus will go directly into my account within 7 days. That is when I requested to speak to a manager.
Product: Debt collection

I have been getting hit on my credit score every year bc this collection keeps refreshing every year. Are they allowed to keep refreshing it as if its a new debt every year because it keeps hurting me its been 5 years and it keeps happening this debt was wrongfully placed on me when covid hit me. I was late on paying the service and they would disconnect my service and keep charging me every month even though there wasn't any service being provided for that month because they deactivated the service but yet kept getting charged like if it was active. Back to the question are the debt collectors allowed to keep refreshing my XXXX XXXX XXXX debt as if it just happened recently even though it didnt. If its illegal i would like this to be removed as it is affecting my health and XXXX XXXX every year. Nor i have agreed to have my debt collection to be moved on to a third party debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/2022 XXXX  | XX/XX/2022 XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022
Product: Credit reporting or other personal consumer reports

I sent over an identity theft documentation and XXXX said my request is missing essential personal identifying information. File # XXXX XXXX also said I did not provide account specific information, such as the name of the creditor. They also said the description of my identity theft was too vague. Because of that I'm resubmitting with everything they requested. Capital One by way of identity theft has given my information to XXXX, XXXX, XXXX and other unknown third parties without authorization. XXXX XX/XX/XXXX I signed a ( retail installment contract ) which created a blank endorsement without my knowledge. Capital One Auto Finance claimed they loaned me money. Capital One Auto Finance has to show me accounting/ ledger to have a valid claim. Capital One needs to provide the original contract as well. If not, this is considered identity theft which is whats going on. Capital One is using bait-and-switch techniques to secure funds. Capital One is using my name to secure funds that I do not owe and damaging my credit report. This is identity theft. 
Capital One Auto Finance also placed me as a co-signer when I am the principal on this account. Why did they do this? This is not a mistake when Capital One has a copy of each contract. I am not the co-signer on this account. If I dont cooperate with Capital One they damage my credit profile and my mothers XXXX  XXXX credit report. The fraud occurred on XX/XX/XXXX account number XXXX XXXX XXXX and XX/XX/XXXX for account XXXX ( XXXX XXXX ). Capital One has no standing within these accounts unless they can produce the proper paperwork. Im asking Capital One Auto finance to send a certified copy of the ledger signed under the penalty of perjury showing I owe them an alleged debt. I sent Capital One correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dated for remedy. Capital One Auto Finance did not provide the ledger. Once again I requested the accounting to prove this loan to be true, nothing. Capital One has failed to provide me with proper documentation showing me the ledger that they loaned me money. According to **15 USC 1602g ( see below ). Capital One is using my name to coerce payment, damage my reputation through credit reporting, without my authorization. I sent documentation to capital one stating I want full disclosure on this account. Capital One sent the retail installment contract without full disclosure. Capital has no proof that I owe any debt to them. As a result of that, Capital One is using my identity to cause harm through damaging my credit report like I mentioned above. Capital One does not have my consent to send my information to any third party.
Product: Credit card

Synchrony Bank, who owns the stores credit cards for Rooms to Go, XXXX XXXX, JC Penney and Discount Tire they either erased my paid balances on all or they even flat out closed without my permission or request, affecting in a severe way my credit report and XXXX report. This bank is dedicated to destroy me and to destroy my family. They belong in jail and/or send to XXXX for ever. They have no remorse in destroying my life for good.
Product: Mortgage

I was placed on a loan modification with Rushmore Mortgage. My previous mortgage payment was {$1100.00}. With the loan modification, the payment increased to {$2100.00} for six months. Once the final payment was made, I called the company and I was told that the payment would be the same. I received the final modification documents and the payment has increased to {$2300.00}. The interest rate went from 2 % to 5.5 %. Then they reduced it to 5 %. I told them that the current interest rate was between 2 % and 3 %. I was told that they weren't a bank and that they could charge me whatever interest rate they wanted. The five percent rate was set back in XX/XX/2020. I consider this to be a predatory lender. They asked for all of my financial information and I was honest. Instead, they insisted on placing me on a modification that was not affordable. I refuse to sign the documents for the final modification because I strongly believe that this company is connected to a chain of predatory lenders. It began with XXXX XXXX who later sold the mortgage to XXXX XXXX who later sold the mortgage to XXXX who later sold it to Rushmore. I am asking that this company be investigated. The only alternative is to sell the house. I hate the fact that these thieves will be able to walk away with money that they are not entitled to because they chose to prey on the XXXX American Community. I am a Veteran and I am appauled by the mistreatment that this country has allowed to happen to it's own U.S. citizens by allowed predatory lenders to stay in business.
Product: Checking or savings account

Hello Consumer Financial Protection Bureau : This is unacceptable that M & T Bank would send our stolen {$20000.00} check to our old former home address that we moved from in XX/XX/2022, just to continue to mess with us, when they only had our XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX business address on file. 

If this is not corrected ASAP we will be filing additional formal complaints against M & T Bank and all of its individual officers responsible for this abuse. 

Be guided accordingly. 

Thanks, cc : XXXX FBI XXXX XXXX, XXXX Attorney General, XXXXXXXX XXXX XXXX XXXX Department of Financial Services, XXXX XXXX of the Inspector General, Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX     2017  and continues now  XXXX   2017
Product: Debt collection

My name is XXXX XXXX and this my 4th complaint against XXXX associates this is not a duplicate
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) has falsely responded to our request to provide an ORIGINAL Power of Attorney ( as required in our state of XXXX ), to accompany SPS 's invalid discharge and assignment recorded in our County in XXXX XXXX. We have requested this information, and document, through prior Qualified Written Requests sent to the CFPB and to SPS. Attached is email received from SPS and Power of Attorney ( POA ) sent to us. First, the POA is not original ( is from a filing in XXXX ). Second, the POA is granted to XXXX XXXX XXXX - which no longer exists ( date of the invalid POA is XX/XX/XXXX ). Moreover, we have repeatedly asked SPS, through Qualified Written Requests, to identify the name of the OWNER of the loan at the time SPS received our payoff check on XXXX XXXX, XXXX. SPS has not responded to our Qualified Written Requests, and continues to instead provide responses as to a " note holder ''. As the CFPB is aware, a note holder and owner of the loan are not the same thing. In fact, SPS account number does not match our original loan number. We request that SPS provide a valid original power of attorney, provide the owner of the original loan number, and provide the owner of the SPS account number. These loan/account numbers must match any original provided Power of Attorney to be filed in our County. The original loan number is XXXX ( see attached ), and the SPS account number is XXXX. Thank you.
Product: Credit card or prepaid card

I opened a Amex Delta Gold credit card from link in XXXX website on XX/XX/XXXX, which showed some good welcome offers. After apply the card, I asked the Amex representative online on XX/XX/XXXX and XX/XX/XXXX, and they confirmed I have those offers as showed in AD. While now I finish one of the task to purchase XXXX ticket using that credit card, Amex didn't give me {$200.00} credit as they promised. I complained to Amex online, they told me in the application proceed, they showed me a message that I cannt get those offers, I agree that I saw that message, but I didn't understand it totally and just think it is not important so click next to continue the application. After application, I asked twice online to confirm the welcome offers, their representative told me Yes I have ( Attached chat screenshot ), now they declined me just because they noticed me before while I didn't understand it. I think the last decision from their representative should be the final decision. Their manager told me someone will help solve this problem in 48h, while no one contact me after 72h. I have no choice, so submit complaint here to get some help.
Product: Credit reporting

EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. Experian I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. Experian I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER ALSO YOU HAVE BLOCKED MY ABILITY TO FILE DISPUTE ON YOUR WEBSITE SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE IT EXISTS. NATIONAL CREDIT ADJUSTER IS REPORTING A DATE OF LAST PAYMENT INCONSISTENTLY. I HAVE ALSO NEVER MADE A PAYMENT TO THEM. THEY ARE ALSO REPORTING MY ACCOUNT STATUS AS 120 DAYS AND THIS IS A COLLECTION ACCOUNT WITH A THIRD PARTY. I HAVE ATTACHED A COPY OF THE ILLEGAL INACCURATE REPORTINGS AS WELL AS CORRESPONCES TO ALL PARTIES WHICH HAVE BEEN IGNORED.
Product: Debt collection

This is the second time I have filed a complaint against Medical Data Systems , Inc. You are failing to respond to my complaint in a timely matter. Medical Data Systems , Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX XXXX XXXX XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved.I have confirmed this both with XXXX XXXX XXXX XXXX XXXX New Mexico as well as with New Mexico Medicaid. They have not received any claims from XXXX XXXX XXXX XXXX XXXX for this bill. XXXX XXXX XXXX XXXX XXXX did not do there job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do there job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX XXXX.
Product: Debt or credit management

Experian services arent reviewing and fixing the debt collection claims that are being held against me which Ive been disputing for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. 

I have sent several letters to TransUnion requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that TransUnion has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. 

There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX - 30 days late. 
XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. 
On XX/XX/2023, I received correspondence from TransUnion stating these accounts are reporting accurately- which they are not. 

I sent another letter XX/XX/2023 stating that TransUnion are violating a few of my consumer rights. During the time of these late payments, this was during XXXX which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. 

On XX/XX/2023, I receive correspondence from TransUnion stating that I am working with a third party, such as a credit repair company which is completely false as I am working my own credit. This is the 3rd stall tactic I have received and this has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX - 30 days late XXXX XXXX - 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX XXXX XXXX and  Transunion but they refuse not to
Product: Checking or savings account

Good morning, Chase Bank is still posting items out of order in a way that maximizes the number of fees they can charge. They allow some things to go through when the account is negative at their discretion but not others. As a result, I do not have enough money to buy groceries or put gas in my car, because {$400.00} has gone to fees at Chase Bank. Its untenable and predatory.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from  identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX is all I can access. I.C. Systems inc is the company. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I filed complaint earlier today along with my birthdate and they couldnt pull up my information using my correct date of birth. Or my legal name that I have had since XXXX. The IRS, has documented that I had identity fraud through there agency as well. The information they have is not accurate thank you