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

I recently mailed a letter to TranUnion Consumer Solutions disputing an account on my TransUnion credit report which was showing as derogatory/collections with an outstanding balance of {$1800.00}. This account had already been charged off in the amount of {$2600.00} and I had reduced the amount by making small payments here and there and by the federal government withholding two small tax returns which I was due over the past few years.This collections account was USDA National Finance Center on behalf of the federal government and was the result of an over payment by the government which until recently went unpaid. 

I paid the outstanding balance of {$1800.00} online on XX/XX/2020 on the Pay.gov website. I mailed my dispute letter dated XX/XX/2020 with a copy of the receipt showing the USDA account had been paid in full to TransUnion Consumer Solutions on or around XX/XX/2020. 

I received a response from TransUnion in a dispute status letter dated XX/XX/2020 in which the credit reporting agency stated that after reviewing my dispute request it found the information I disputed did not appear on my TransUnion Credit Report and went on to state numerous reasons why it might have disappeared and/or been removed already. 

On XX/XX/2020 I reviewed a credit report offered free by a major bank because we have a business relationship. This credit report was from TransUnion and was updated on XX/XX/2020. The credit report showed the USDA National Finance Center account and it was still showing as outstanding collections/derogatory. 

TransUnion 's claim that this information was not found in its search of my credit report now looks to be false and untrue? On XX/XX/2020 I attempted to call TransUnion numerous times to discuss this problem but was hung up on every time by it's automated system. A check of the company 's hours of operation for Saturday and Sunday showed XXXX. I posted a comment on TransUnion XXXX page XX/XX/2020 and received a comment from XXXX requesting I send her a private message about this which I did but have not heard back from her or TransUnion. 

XXXX is going on with TransUnion that is what I want to know? This is one of the companies which we are forced to trust with our most closely held information are you kidding me? It needs to be sued because it is doing the public a huge disservice with terrible customer service and it's been ongoing for some time now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
( XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/year> AMOUNT {$25000.00} ), INQUIRES - XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This collection account magically appeared on my credit report from Commonwealth Financial with no notice in the mail or phone contact. I have no knowledge of this alleged debt. The put this on my credit report " damaging '' my credit score. I have sent a letter to Commonwealth Financial asking for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the first letter to Experian on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Product: Credit reporting or other personal consumer reports

I did not initiate any of the listed inquiries on my credit report.
Product: Credit card or prepaid card

My credit limit with XXXX XXXX was {$2000.00} I have a balance of {$1000.00}. I have a excellent payment history with XXXX XXXX. With having a excellent payment history and only using 50 % of my limit, this would give me a good rating for my credit. Now since XXXX 's have chosen to reduce my credit limit to {$1100.00}, this now has a negative impact and gives a false factor to anyone who views my credit report. Instead of showing I was about 50 % now my credit shows 95 %. That's a false report that negatively impacts my credit score.
Product: Credit card or prepaid card

Applied for the CapitalOne XXXX card using their link on their site that was supposed to give {$200.00} cashback for spending {$500.00} within 3 months of getting the card. I spent the {$500.00} on the card after receiving it in the mail and I still didn't get the {$200.00} sign up bonus after 2 months, so I called CapitalOne and their representative says the offer wasn't applied to my application, even though I used their link on their official site that displayed the offer ( https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ ). This is blatant false advertising and a very slimy business strategy to get people to sign up for their cards and ultimately not honor the advertised offer.
Product: Credit card

Recently I was refused of my right to credit ( 15 usc 1602 ( f ) on XX/XX/year> where as stated publicly under the Equal Credit Opportunity Act Regulation B, it shall be unlawfully to refused an creditworthy applicant of it right to credit on a prohibited basics. Company is in criminal violation under willful and knowing violations pursuant to 15 usc 1611 also are in clear violation under the truth in lending act 15 usc 1601 with the uninformed use of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the finance manager named XXXX at XXXX XXXX verbally at first. All he did was apologize and did nothing to correct it. XXXX XXXX   Ran my credit over 15 different times to various auto finance companies without my permission. I came to their dealership by appointment and with an offer letter and pre-approval from XXXX XXXX already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect my credit report.
Product: Mortgage

I am now more devastated it than before. I am writing to you for the second time regarding the inconsistencies of Wells Fargo. I have requested over and over again a work out plan that will benefit us all. Wells Fargo decide to now sale my home. .. Never any explanation or concern of my circumstances I requested on XX/XX/2018 that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job. She is now on a full time job over a year. I again provide documents on XX/XX/XXXX hoping to get a resolution. I am still waiting. 
My attorney s office called Wells Fargo and spoke to the preservation dept. spoke to XXXX who transfer them to the re - entry dept.. There was no resolution .File is always in review. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. In XXXX, I suffered a XXXX XXXX resulting in two XXXX XXXX, as a result of the injury I could not work. I was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed 7 people. I have XXXX children. Please, Please, understand that this is our only shelter. My financial situation has now improved. I have provided several financial packages to Wells Fargo to no success. They are the one to holding on to a resolution, making me incurred an outrageous balance. I have heard of the law suit against Wells Fargo similar to my own. I can provide you such. All I want is for Wells Fargo to reconsider my situation and allowed me to make payments o my house.. I need this shelter for my children. I have XXXX children as I mentioned before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to XXXX  by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the XXXX XXXX he had on him due to XXXX into my XXXX  and XXXX  me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, 2019 {$230.00} XXXX XXXX Reported : XXXX. XXXX, 2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

USAA failed to run payment on 5 separate occasions between XX/XX/XXXX and XX/XX/2018. They were provided with payment information for check by phone four times, from two separate accounts - yet they never ran the payment. One payment was even made from a USAA account to USAA and they still didn't accept the payment. Funds were available and because of an error on their end they would state the account was paid and I called to confirm weeks later and they would confirm payment again despite telling them funds were not withdrawn from my account. Eventually they would state that payment was not made and I would try to make payment again and repeat the same XXXX cycle. I sent them a check for the full balance due via priority mail ( from a different bank for yet a third account ) they received the payment then SHREDDED the check. I have called dozens of times and talked to the same number of people all of whom refuse to assist in resolving this other than to ask for payment information again. I have written to them about this issue 4 times and they have not responded to a single letter. This is absurd, they are wrecking the credit report by reporting the account as late, and now as a charge off. There is no way to actually pay this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT A DISPUTE TO AFFIRM AND XXXX AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). GM Financial did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
Product: Payday loan, title loan, personal loan, or advance loan

I had XXXX XXXX XXXX come to my home to give me an estimate to have a roofing project done. They offered to finance the job to be done and it would be {$13000.00} to do the work I was needing done. So they had me fill out an application to get financing and I was told that I couldnt get financing on my own but if I could get a co-signer I could get approved. I was able to get a co- signer and all the information that was provided went through Aqua Finance CoXXXX XXXX XXXX i was send an email with the entire loan agreement that needed to be e-signed by myself and my cosigner. Today XXXX I received a phone call from XXXX XXXX XXXX stating that the loan company was backing out of the loan because my co-signer wasnt living at my address where the work was being done. Aqua Finance did hard enquires on both mine and my mothers credit, who was my co-signer, I would like both of those inquiries removed and I want to make sure that I am not responsible for any payments since Aqua Finance backed out before any work was completed.
Product: Debt collection

I received a " NOTICE OF RIGHT TO CURE DEFAULT '' from EXETER FINANCE, LLC. I was not informed of my right to dispute the alleged debt, nor was I provided thorough instructions of how to go about the procedure to do so. 

Further, I have been receiving frequent calls in the past, as well as letters threatening and harassing me, the consumer. With the latest letter I received on XXXX XX/XX/2023, I was instructed to " pay '' the amount due or forceful and inequitable actions would be taken against me such as repossession. 

Pursuant to the FEDERAL RESERVE ACT, Sect 16 ; the loan for the application is actually used as the " money '' to pay for the transaction. 

Pursuant to the Truth In Lending Act, Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures.
Product: Debt collection

This company is saying I owe them {$400.00} for a debt opened on XXXX XXXX. I have no idea what this company is talking about. I havent opened any new accounts this year.
Product: Debt collection

I received a letter from XXXX XXXX regarding a fraudulent debt that FORTIVA has already stated theyd cancel/waive this due to identity theft ( See attachments ) however XXXX XXXX is trying to collect on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 emailed Westlake Financial 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with Westlake Financial.