23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and should be removed.
Product: Mortgage

I initiated my refinance in XXXX of 2020. Within a week of my initial application, I had provided you with all necessary documents. Yet, my loan didn't close until XXXX of 2020. In addition, you funded my loan. This lateness caused me to make an additional payment, the next day you finally closed my loan. If I wanted to pay an additional {$3600.00}, I could've put it on my loan and reduced my mortgage insurance. You were neglectful, your customer service was unsatisfactory, and my servicer was rarely available to answer my questions. 

Your representative XXXX XXXX  indicated that the mortgage that was paid the day before the loan finally funded would be returned to me. It has not yet. 

I received a response indicating that their was no record of me receiving advise to indicate that I would be refunded that mortgage payment. I've attached a copy of the response from XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 my wife and I purchased 2 airline tickets from XXXX XXXX on our CITI bank/XXXX XXXX credit card. XXXX XXXX changed the reservation and cancelled the leg of the route that gets us from the island of Hawaii to the mainland. We contacted XXXX XXXX and they agreed to refund the purchase price of the ticket in 7-10 days ( XX/XX/2020 ). We have contacted XXXX XXXX about the refund 2 additional times. Their response is that it is in process and that they can not provide the services that I purchased due to the flights from XXXX Hawaii being cancelled. The credit card company is saying that I have to wait 30 days to give XXXX XXXX to credit my card before I can dispute the charge. In my credit card agreement I can dispute a charge if I purchase an item and the company does not provide services. It does not say anything about a waiting period. Citi Bank is charging me interest on the purchase and not allowing me to dispute the charge for 30 days in violation of my credit card agreement.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to experian about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd
Product: Payday loan, title loan, or personal loan

My company has not given raises in 4 years. My overtime was taken away completely over 2 years ago. Cost of living constantly going up. Couldn't pay bills. Signed up with a Debt Relief company over 7 months ago. Have legal protection with them. The attorney made frequent calls to First Heritage and their attorney ( I signed a power of attorney ) and they would never even speak to them about a payment plan with the Debt company. First Heritage called me at WORK trying to collect this debt even after the power of attorney was sent to them. If I answered the phone, I informed them that they needed to contact my attorney, that they were taking care of this matter, but they still called me at work and my cell phone. 
Instead of working with getting paid, they took it to court and want to garnish my wages ( which money is already going to the debt company to pay them ) They have a horrible attorney and ruthless people working for this company. Why would you not work with someone to obtain your payment, knowing that the customer can't afford to pay you directly. So now at this point, it appears there will be no other option but to file bankruptcy and they get NOTHING!
Product: Debt collection

RE : Original Creditor : XXXX XXXX XXXX XXXX AT THE TIME I TURNED IN MY KEYS FOR THE APT I WAS RENTING, I WAS NOT TOLD NOR GIVEN ANY NOTICE OF ANY MONIES THAT WAS SUPPOSEDLY OWED. I NEVER RECEIVED ANY SUCH NOTICE EITHER. I LEFT A FORWARDED MAILING ADDRESS AND NEVER RECEIVED A BILL. IT WAS N'T UNTIL I CHECKED MY CREDIT REPORT SOME MONTHS BACK THAT I SAW THE ACCOUNT WAS IN COLLECTIONS OVER A YEAR AFTER I MOVED OUT. 

THIS ACCOUNT IN MY CREDIT FILE HAS SINCE BEEN DELETED FROM XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I never signed a contract or any kind of financial agreement with XXXX XXXX. Ive asked multiple time for a valid contract to be provided to me with my signature. However XXXX was only able to provide with with documents from the previous financial company XXXX. XXXX forged my signature and created a new agreement without my consent or knowledge. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, | presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 USC 1028A was also violated as well as law 15 USC 1681b
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! 


**They keep closing and reopening XXXX  accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! 

PLEASE HELP!!! 


***************************************** XXXX XXXX XXXX Balance {$1200.00} Balance updated XX/XX/year> ***************************************** XXXX XXXX XXXX Balance {$840.00} Balance updated XX/XX/year> This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 FACTUAL DATA Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS-XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XACTUS Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting my account closed on XX/XX/XXXX, where as this account was to fall off the report this XXXX. 

I have another document showing the original close out date on XX/XX/XXXX XXXX did this as well on my accounts. 

XXXX, to date is still keeping the original closure date of the account. 

This is complete FRAUD and a SCAM to me. These actions are directly hurting my ability to find a home to live and is constantly creating a breach of my peace. I have been dealing with this issue of False Reporting for years with XXXX XXXX 

I want these three accounts removed off the credit report. They are legally at the timeframe to fall off the report and changing the dates of original closure is against the federal law. 

These actions of removal need to happen immediately, or I will be forced to litigate against each company participating in the FRAUD related to the accounts in question.
Product: Debt collection

On XX/XX/2022, I sent a letter to Alliance Collection Agencies, to validate the account. I requested o send me the agreement and contract with my signature on it. In addition, I requested to provide me with the XXXX with my signature on it. Instead, they keep calling me every day XXXX  a day. They also don't inform me who is calling me. I need them to stop calling me. I have sent many letters to them to provide me with accurate information and they continue to ignore it. Today XX/XX/2022, they called me XXXX times. These phone calls have to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX   promised.
Product: Debt collection

I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.
Product: Money transfer, virtual currency, or money service

I deposited a cashiers check and the institution refused to make partial funds available on the next business day. In direct violation of reg cc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.
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. AXXXX 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 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 or other personal consumer reports

I am from XXXX, IL. I am currently in the XXXX XXXX. I received an email that there is a hard inquiry from XXXX XXXX, made on XX/XX/year>, on my TransUnion credit report. I have not applied for any credit cards while here in the XXXX XXXX I want this hard inquiry pulled. I want a fraud alert placed on my report. I do not want any credit card issued in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , EX, XXXX  ) XXXX  XXXX  Account # : XXXX ( XXXX, EX, XXXX  ) XXXX Account # : XXXX ( XXXX, EX , XXXX  ) XXXX Account # : XXXX ( EX only ) XXXX Account # : XXXX ( XXXX, EX, XXXX  )
Product: Checking or savings account

To whom it may concern : I am a NetSpend customer and I have had checks sent by mail through NetSpend whom informed me that you have all of their archived checks. 
I am currently having a financial dispute with a creditor and they claim that they have no record of the checks that I sent through the NetSpend app, even though the checks are prefunded and are coming back as 'cashed. ' This creditor is requiring that I produce copies of the voided/cancelled checks that I claim as proof of payment before they credit my account with the funds these checks represented. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 
My phone number is : XXXX. And my email address is XXXX. 
The checks I speak of that were issued through my NetSpend account are : # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
I would be grateful and pleased if you could forward copies of those checks only to me at my above contact information. 

Thank you for your time and hopeful assistance with this matter. 

P.S. None of your customer service representatives seem able to help me. 

Sincerely yours,. 
XXXX XXXX
Product: Mortgage

Wells Fargo strikes again. 

In the complaint I submitted a couple of weeks ago, I mentioned that I was counting on using a personal Line of Credit I had established and maintained in perfect standing for over 8 years with Wells Fargo because Wells Fargo seriously messed up on a mortgage application for me. As a reminder, they yanked this LoC from me with no warning, no negotiation, and no half-measures, which has left me in a precarious situation financially. 

But that is a separate complaint. This complaint is about Wells Fargos original blunder, which is what put me in the situation where I needed to actually use the personal LoC I had paid annual fees to maintain for 8 years ( and used only once during that time ). 

I began applying for a mortgage with Wells Fargo in XXXX of this year. I had credit around 840 and {$400000.00} worth of equity in my duplex ( not to mention {$200000.00} worth of equity in another 4-plex ), so without making promises, of course Wells Fargo led me to believe that borrowing {$100000.00} on my house with a HELOC was not likely to present problems. 

I supplied all of the documentation they required and paid their appraisal fee, but after six weeks of my jumping through their hoops and their proceeding as if my mortgage was likely to happen, I received notification from them that the State of Texas does not allow HELOC mortgages on multi-family properties! In other words, the mortgage they led me to believe I was qualified for does not even exist in Texas : it is illegal! 

Based on the information they had given me six weeks prior, I began renovating my house as I had enough savings already in place to cover about 30 % of the projected budget. I realize it was my mistake to count my chickens before they hatched. However, I knew that with credit in the excellent classification and {$600000.00} equity in my paid-off houses, if something fell through with Wells Fargo, I would be able to get a mortgage elsewhere. Plus, I knew the {$35000.00} personal LoC with Wells Fargo, which, although it didnt have a great interest-rate, was there to cover me in case I needed it. 

Unfortunately, Wells Fargo didnt give me this crucial piece of information at the beginning of the application process that there was no such thing as a HELOC on a multi-family property. This information was, after all, available to them and was supposedly their area of expertise! As a result, I am in the homestretch of my renovation but with no finances to complete it. Once I complete it, I will get the rental income going again and be able to begin paying off my debts. Or I may sell the house, in which case I can pay off my debts quickly. Unfortunately, because Wells Fargo yanked my personal LoC, I am stuck - with only 10 days and {$10000.00} worth of work to do - unable to complete my project and get my property generating income again. This is particularly nerve-racking because in the meantime, I have financed my project with 0 % credit cards ( temporarily ), which has put a significant dent in my credit rating and made it all the more urgent that I get my income flowing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD Account # XXXX has violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
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 Account name XXXX XXXX Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the the information is inaccurate