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

I have requested for the credit bureau Trans Union XXXX XXXX XXXX XXXX to send legal written documents over showing how they validated the debt owed by the debt collector " XXXXXXXX XXXX XXXX which they fail to do so. 





XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX SSN : XXXX To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of documents provided bearing my signature, showing that I have a legally binding contractual to pay them the exact amount claimed. 
Any automated response or XXXX  verification is unacceptable. I am requesting a re-investigation AND your Method of Verification.

Be aware that I am making a final Goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Consumer Financial protection bureau and the Attorney generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX trans union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for XXXX. XXXX XXXX XXXX My contact information is as follow : XXXX XXXX XXXX
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

IC SYSTEM - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 called your department after I purchased a credit report with XXXX XXXX XXXXXXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

yes XXXX XXXX put in another credit card under my information useing my ssi number fraud address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX NA XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

They had 30 days to investigate and didn't. Now they are saying they will further investigate with new information. That is an FTC violation of the Fair Credit Reporting Act. THEY HAVE 30 DAYS PERIOD! Additionally in California per statutes 1013 and 641, which they must adhere to because they are doing business in California, mail deposited is by law consider received. Consequently they are in violation of California law. Lastly, when they cause damages, they are liable trebly ( for 3 times the total damages amount ) to the person they have damaged, due to their erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply fo..Remove XXXX XXXX
Product: Mortgage

My wife and I had a loan with Homepoint Financial in XXXX TX. Our home is located in XXXX, PA. The loan was an FHA backed loan. We wanted to refinance in order to remove the PMI that we were paying. We worked with Homepoint to accomplish this. As we approached closing I noticed the estimated payment was really high. I finally determined that they had entered in the tax information incorrectly. They had taken our small local property tax bill and inflated to be almost 6 times the size. That meant our payment was estimated to be {$350.00} more a month than was anticipated. I was told that to revise would push the closing way out, but I could submit the tax documents and get the escrow amounts reanalyzed right after closing. I called and asked how to do that and was informed that it was not something they could do, and that they had to wait three months before they could adjust. While I understand that there may be policies in place, they lied to me in the process of setting up the loan, it ultimately meant I had to bring more to the table to close to start the new loan with a much larger balance. It also means that I am paying extra into an escrow account that will ultimately be overfunded.

If they had been honest up front we could have planned for it. Very disappointed. I did share with them that I would be filing a complaint for their deceptive practices.

I am including e-mail conversations between myself and the folks at homepoint. Who continued to claim it was an issue of them having to pay the taxes but it would not affect the monthly payment. The reality is they collected too much escrow and too much each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX XXXX-NOT MINE PLEASE DELETE,
Product: Debt collection

I have sent disputes to verify and validate this collection several times. I am a victim of identify fraud which is documented on my credit reports too. This has a collection that does not belong to me and was opened fraudulently I have no knowledge of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from XXXX XXXX that XXXX XXXX XXXX added information to my credit report that states my last payment was late and that it was a write off as bad debt. They closed this account without giving me the opportunity to pay off the remaining balance. And my last payment was not late. I feel this is retaliation for the first report I filed against them on another account. This false information dropped my credit score XXXX points.
Product: Debt collection

Got a call saying they will file civil charges against on behalf of another company. I did not acknowledge the debt. No debt shows up on my credit report. If it is a debt I owned many many many years ago statue of limitations is up by far. CO limitations is 6 years. This was done mainly via phone but referenced it in voice mail which I included text copy of.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  XXXX {$790.00} Open Date XX/XX/2020 XXXX
Product: Debt collection

I consumer XXXX XXXX have notified this law firm on that they are violating me by saying I owe a debt. They claim to have a judgment but the law 15 USC 1692g ( c ) clearly states the failure of a consumer to validate a debt may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerningthe individual about whom the report relates. 

I sent a letter XX/XX/XXXX asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX. I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXXXXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

They have not responded to me. I have a copy of all of my letters. Can you please take a look into this as this is affecting my life. Nothing has been modified or updated. I requested a description of the investigation and did not provide it to me. This is a violation of 15 USC 1681I7
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am victim of fraud. XX/XX/XXXX approximately XXXX XXXX received a call from someone saying they were from Wells Fargo and noticed fraudulent activity on my account. 

This lady was a scammer. Kept me on the phone while a wire transfer was done taking {$6000.00} out of my account. Since I did not have XXXX XXXX in my checking account {$3900.00} was transferred from my credit card. 

I called Wells Fargo the evening of XX/XX/XXXX but the Fraud department was closed. I called XX/XX/XXXX and informed them of what happened. Wells did their investigation and have acknowledged that this was fraudulent. 
The name of the scammer is XXXX XXXX -- the funds were transferred to XXXX 

Wells Fargo told me that their online agreement states that they are not responsible for any one accessing my account and can not help me.
Product: Mortgage

My mother passed away, and I have taken over her mortgage payments. 
Since XX/XX/2019, I have assumed the debt owed on our family home. 
I have sent the mortgage company official documents proving I am the executor of the estate from my lawyer. 
I have also provided them with an updated 911 address, since the address they have on file is no longer valid after the re-zoning. 
They have not offered any assistance on refinancing in my name. 
Only stating that I am listed on the account, but this is unofficial/not valid for refinancing. 
They have not updated the 911 address, despite documentation from our XXXXocal county office. 
I would like to refinance the mortgage with another lender, but this company has made this extremely difficult!
Product: Debt collection

XXXX- Open balance
XXXX XXXX XXXX- Original creditor
Opened-XXXX XXXX XXXX  (XXXX XXXX XXXX XXXX)
Original creditor name XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My job was slow, so I go to title max and take out a loan with my truck title, as soon I did, about two week ofter I was of work, so my bills started to get back up on me even my house payment but they all understand and and feel my pain because I explained the situation to them and they understand, so cut along story short, so I explain the situation to title max and its seems likely they wanted to take advantage of the situation, with calling me treating me my saying my truck a rist to pick up, even when I make a payment, today the XX/XX/year> I try to make a payment and the general was on the phone telling the representative not to take my payment if it not {$800.00} and some dollars, which If I could find {$800.00} a month for car payments I wouldn't needed a loan this the second times it happened, I didn't know the the intrest rate was 656 % and even if you pay {$800.00} a month their nothing out of it go toward the loan you still owe the amount with is {$5000.00}, they also trying to let take more money, now I can, t sleep at night, I feel like they have a guns at my head, I never, see a loan company refusing to take payment from a customer, its because she wanted to get my truck, thanks you for your help, I just don, t have the money to get a lawyer, looking farword for your help, again thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my report from Transunion, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Transunion automated service, however, I had no success by phone. The following inquiries are unauthorized : 1 ) XXXX ; Inquiry date XX/XX/XXXX and 2 ) XXXX XXXX ; Inquiry date XX/XX/XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was taking out by ex-partner without my consent and then stolen by them from my account without my prior knowledge. I then closed bank account and opened a new one. To prevent them from having further access.
Product: Checking or savings account

I have a checking account and associated debit card from BMO Harris Bank ( BMO ), among other banking products. On the evening of Sunday XX/XX/2022, I received a notification from the BMO Mobile App ( App ) that a charge on that debit card was " Denied due to card issuer rejection ''. I did not recognize the merchant, location, amount, or time, and viewed the attempted transaction as fraudulent activity. To prevent additional fraud, I immediately disabled the debit card using the App. 
The next day, Monday XX/XX/XXXX, I called BMO for advice using the toll free number on the back of my debit card. After authentication and confirming the details, the representative set up a card replacement via mail. 
Per this conversation, replacing the card was something the bank representative chose. I did not request a card replacement, nor did the representative confirm that I wanted a card replacement. They phrased the situation like " to ensure the security of your account, we will be replacing your card ''. The representative did not disclose any fees for card replacement, and did not gain my consent to accept any fees. 
Today, via the App, I noticed a {$5.00} charge on my checking account for " REPL/EXPED FEE '', dated XX/XX/2022. I believe this is a charge for replacing my debit card. I view the charge as incorrect because I did not request or consent to that service. 
Furthermore, the debit card was due to expire next month, in XX/XX/2022. The representative could have seen this and chosen to rely on the routine card replacement process instead of specially ordering a new card. But because I did my part to report fraud as a vigilant customer, I ended up with an extra fee from BMO.
Product: Money transfer, virtual currency, or money service

The company is a scam. They promised {$40.00} for deposit and referral but only paid me {$20.00} in some insolvent company owned crypto which they will not cash out for at least the rest of XXXX ( most likely ever ). There is nothing in the legal terms and conditions that says the {$40.00} awarded will be in an insolvent worthless asset that can't be withdrawn. I called and spoke with 3 agents and they all refused to answer any other questions as to who is regulating their company and where my missing {$20.00} is. ( Also the {$20.00} was awarded today and was exactly XXXX XXXX so it wasnt some crypto devaluation that devalued after I received it ). 1 ) The XXXX were never pending. They were not pending and not showing until I called in today and then they were credited to my account today 2 ) Pending isn't " awarded ''. No where in the terms of my signup date XX/XX/XXXX does it allow for you to arbitrarily set a date for the valuation and then have them unavailable. 3 ) If the XXXX isn't available then it's not been awarded. It wasn't available until today 4 ) Nowhere in the terms does it say this " reward '' will be a worthless piece of garbage that isn't convertible or withdrawable, which I've just discovered is the case. Most importantly, if the XXXX is untradeable and unwithdrawable, then by definition is it WORTHLESS. The company is arbitrarily assigning a value to its own insolvent asset. I hope someone files a class action lawsuit against this scammy company or a government regulator steps in and closes the company down for being a fraud.
Product: Bank account or service

some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )