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

This is primarily in regards to Both Transunion, XXXX  and XXXX with specific focus on TRANSUNION and XXXX : I have unsuccessfuly been able to reach to ANY actionable results with Transunion over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for XXXX. 

My last attempt with Transunion failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through Transunion involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like XXXX, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a Transunion portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My Transunion : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with XXXX At the end of it, this person, who grilled me from the XXXX on behalf of Transunion and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

The company Federal Adjustment Bureau ( FABCO ) of Columbus, OH is harassing my family and myself. I believe they are using the word " Federal '' in their name to deceive customers into thinking they are a part of the federal government. Initially they sent a letter to my parents home regarding a debt I did not owe. The letter was sent shortly before I XXXX to the XXXX XXXX with the XXXX XXXX XXXX and I nearly did not see it. The letter stated if I did not respond within a short period of time they would assume the debt is correct. They were harassing me on behalf of the company XXXX XXXX XXXX XXXX. I contacted FABCO, and I notified them this was a totally illegitimate debt designed to harass me, and that I was deploying in less than 30 days and FABCO assured me they would stop. However, they continued to contact my family. 

An individual with the phone number XXXX called my sibling in XX/XX/year> and made statements that he was trying to reach me. This number belongs to FABCO, the company that previously promised they would cease harassing me regarding the illegitimate debt. Call logs prove FABCO did not call me directly prior to contacting my sibling. They were not trying to reach me directly, ever. They were contacting my family on behalf of XXXX XXXX XXXX XXXX  as as a way to harass me. I contacted FABCO and was told again it was an accident. I am unclear how FABCO " accidentally '' obtained my sisters phone number and began texting her in regards to me. I would also like to know why FABco contacted my sister rather than me. They obviously had received my phone number from XXXX XXXX XXXX XXXX but instead chose to use some outside information to find my sisters information. I would like FABCO to voluntarily pay me damages for their reckless harassment. Even if it was truly an accident, they are still liable for their actions. 

I have attached the letter from FABco where they promised to stop. However, they continued to harass my family after this letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX
Product: Student loan

Navient made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?
Product: Mortgage

See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX Account Number : XXXX Date Reported :XX/XX/XXXX & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.
Product: Credit reporting or other personal consumer reports

XXXX provided the document i will share with yall regarding no account found I have reached out to Experian and requested they deleted the information but continue to state that XXXX has updated and certified the account is mine. 

This is my last attempt before I take legal action against both corporations. 

I have attached all exhibits below I have been fighting this for over a year now with no luck cfpb case no : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, XXXX AND EXPERIAN ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with Experian 's handling of my credit report disputes. The investigation results dated XX/XX/year>, assert that the information reported by the companies is accurate. However, this contradicts my attempts to rectify inaccuracies with XXXX XXXX XXXX. 

I filed a complaint against XXXX XXXX XXXX with the CFPB, but the complaint was closed with a redirection to the XXXX XXXX XXXX XXXX, without providing necessary contact information. This lack of guidance has hindered my ability to address the issues with XXXX XXXX XXXX. 

A similar issue arose with XXXX XXXX XXXX, where my dispute was returned as undeliverable despite using the address listed on my credit report. This raises doubts about the accuracy of the information Experian claims to have verified. 

Furthermore, a complaint was filed against XXXX, Experian 's vendor for public records, which went unanswered. The absence of a response from XXXX further underscores the inadequacy of the verification process Experian claims to have undertaken.
Product: Checking or savings account

On XX/XX/2018 I received an email that my monthly transfer was cancelled because my business savings account had been closed. This was the first I had heard of it, and when I called, I was simply told that the account was closed due to no " human initiated '' deposits or transfers. I had a scheduled monthly transfer into the account, which I initially opened only at Wells Fargo 's insistence, and has been open for over 2 years. No recourse was given for closing the account, and I was simply told that no one was notified and that was just the way they did this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form 3949-A to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form 1099-C that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws.

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date and fair. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision since reporting income on a report is inaccurate and unfair Any violation of the FCRA entitles the consumer to actual damages and monetary compensation.

This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy.

Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form 1099-C within 30 days. Failure to comply will result in further action.
Product: Debt collection

I had a one-year contract with XXXX XXXX XXXX XXXXXXXX, which expired in the first half of 2024. After the contract ended, I visited a licensed shop in Utah to have the device removed from my car. I documented the removal process with video footage, showing the device was in good working condition, and also took photos of the device being returned to an XXXX XXXX XXXX XXXXXXXX employee. The employee signed a receipt confirming the return. 

Despite thisXXXX XXXX XXXX XXXX XXXX is now claiming that the device was not functional and is falsely accusing me of owing them {$4500.00}. They have not provided any evidence or justification for this claim. I believe this is a scam, and I am seeking resolution.
Product: Debt collection

{$680.00} was taken out of my bank account for a debt that isnt on my credit report and by someone Ive never borrowed from called Asset Acceptance LLC XXXX from a court order dated XX/XX/19. They say I owe {$3900.00} but there is no way I do.
Product: Vehicle loan or lease

On XX/XX/scrub>XXXX XXXX I applied for and was approved for a boat loan through USAA. Shortly after, I realized that the dealership I was working with had miscalculated the pricing on the boat I was purchasing. I decided to cancel the loan on the same day ( XX/XX/year> ) before any funds were used. 

USAA representatives informed me that the canceled loan ( s ) would be removed from my account within one to two business days. However, it has now been significantly longer, and the loans are still showing on my account and credit report, preventing me from securing a necessary auto loan. 

Since XX/XX/year>, I have made multiple calls to USAA ( at least 5 separate times ) to request that the canceled loans be removed from my account immediately. Every time, I was told that there is nothing we can do except wait. 

How This Has Harmed Me Financially : These loans, despite being canceled, are showing as active on my credit report and are inflating my debt-to-income ( DTI ) ratio, leading to my denial for an auto loan on XXXXXXXX XXXX 
I currently have over {$100000.00} in boat loans still appearing on my record despite never using the funds. 
USAAs failure to act within the promised timeframe has put me in a position where I can not move forward with essential financial decisions. 
My Request for Resolution : I am asking for immediate removal of these canceled loans from my account and credit report, as they are incorrectly affecting my ability to secure other financing. USAA must also provide an official written response explaining why these loans have not been removed as promised and offer a resolution. 

I have exhausted all direct communication with USAA, and they continue to delay action. Their inaction is now causing direct financial harm.
Product: Mortgage

I had an interest refund due from ARC Home Inc., from my house sale. They were to refund {$510.00} to me via check to my new address which was furnished to them prior to the close on XX/XX/XXXX. I did not receive the check by XX/XX/XXXX so I called and spoke to XXXX who said that the refund check was sent to my old address. I waited until XX/XX/XXXX and the check had not yet arrived via forwarding USPS. I called and spoke to XXXX at ARC and he put a stop payment on the check and said he would issue a new check. That same day XXXX from ARC said that the new check would go out on XX/XX/XXXX. Today is XX/XX/XXXX and the check had not arrived. I called today and spoke to XXXX who said the check request was canceled because it has to be 30 days from the time of the first check to write the replacement check. It has been over 30 days and I guess if I had not called they would not have reissued the replacement check. In the meantime, the first check did arrive, but it is no good because there was a stop payment. I did find out that it was NOT sent out until XX/XX/XXXX even though it was printed on XX/XX/XXXX. XXXX said that the new check would be 'cut ' on XXXX XX/XX/XXXX but I doubt that it would be mailed out then. I asked for the check to be expedited due to the long wait for my funds to be returned. She said she could not do that ... I asked to speak to a supervisor and XXXX came on the line. He was condescending and non-cooperative. After enduring his total lack of willingness to assist me and when he asked if there was anything else he could do to assist me, I told him he had not yet assisted me in any way ... .I asked to speak to his supervisor and he said no one was above him. I then asked if he was the President of ARC Home and he said he would see if I could speak to another manager ... but I would probably have to wait 1-2 hours on the phone to do so. It was definitely a power trip. I still am without my funds and ARC Home 's employees are wielding what little power they think they have at the consumers ' expense.
Product: Credit reporting or other personal consumer reports

I did not authorize that my credit should be ran With these companies and I am unaware of this transaction : XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX One main financial on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorize any of this transaction With that being said, Ive XXXX out to the credit bureau and nothing has been done. I reach out to these agency and nothing has been done. Immediately action will be taken, and these will be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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  Its been over XXXX  days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you
Product: Credit reporting

XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

,