23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, I disputed an innacurate collection account ( XXXX XXXX ) with Transunion which came back verified. I have sent XXXX XXXX XXXX XXXX a debt validation letter which they received on XXXX XXXX, 2015 XXXX and they chose to ignore many questions in my letter concerning my request for validation. Transunion have come back to me and stated that they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.The FCRA requires Transunion to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. If Transunion continues to verify this collection instead of deleting it, I would like for them to send me all information on file pertaining to this account per FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer :
Product: Credit card or prepaid card

I'm filing this complaint on behalf of my XXXX XXXX XXXX son. My son opened a Discover Card account while he was in college. At that time,XXXX, he had a part time job and I wanted him to start building his credit. His stated annual gross income was {$2000.00} and Discover gave him a {$750.00} line of credit. My son now has a {$6600.00} line of credit and he has never asked for an increase. My son 's profile on the Discover Card website indicates that he still has a stated annual gross income of {$2000.00}. My son is now out of college and looking for a job. In the course of looking for a job in the past year, he has reached his credit limit. On XX/XX/2023 my son and I conferenced called Discover Card to try to negotiate a reasonable payment plan. After speaking to XXXX agents and over an hour on the phone, the best Discover Card would do would be to lower his APR to 16 %. I do not find this acceptable and I don't understand how a person with a stated stated annual gross income of {$2000.00} can get {$6600.00} in credit.
Product: Debt collection

In XXXX, XXXX incorrectly continued to bill me for a phone line that had been canceled and suspended. XXXX mistakenly forwarded my account to collections with Amsher, which is now being represented by XXXX XXXX XXXX 

I have encountered significant difficulties in resolving this matter as both Amsher and XXXX XXXX have been unwilling to cooperate effectively. When I attempt to address the issue with Amsher, I am redirected to contact XXXX XXXX, and vice versa. This has resulted in a loop of unproductive communication, characterized by poor customer service, including multiple instances where calls were abruptly ended by representatives from both XXXX XXXX XXXX  and Amsher. 

I have recorded these interactions, which clearly demonstrate the unprofessional conduct and the refusal to engage with the factual errors acknowledged by XXXX. XXXX has XXXX the billing error and noted this in the collection files ; however, neither Amsher nor XXXX XXXX has taken steps to verify this with XXXX or to address the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
540In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under its laws : XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not given permission for XXXX XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout. 15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate. I appreciate your prompt attention to this matter. Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law. Thank you for your time and help with this matter.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized transactions on my Wells Fargo account. I discovered several unusual XXXX transactions that I did not authorize. I promptly reported the activity to Wells Fargo and filed a police report, providing all necessary documentation to support my claim. 

Despite my swift action and adherence to the required proceduresincluding requesting a credit freezeWells Fargo has not taken adequate steps to resolve the issue or reimburse the amount that was fraudulently withdrawn. This lack of response has resulted in significant financial hardship and has raised serious concerns regarding their fraud resolution process. 

I respectfully request that the CFPB investigate this matter to ensure that Wells Fargo properly reviews my claim, corrects the fraudulent charges, and implements stronger safeguards to protect its customers.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX XXXX XXXX XXXX Open Balance : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


It has been over 4 days!!
Product: Credit card or prepaid card

There was a charge of a club membership, XXXX made to my account with XXXX XXXX XXXX XXXX .. ( through Comenity Bank ) that I was not aware was an ANNUAL fee ... When I opened it I thought it was a one-time initial fee, which I accepted. When a year went by they charged me again, XXXX..which I was not aware of at the time it came in, XXXX - then I was charged a late fee on the charge. I complained to XXXX XXXX XXXX XXXX -- they took me out of the club and I won't be charged NEXT year. ..In the meantime Comenity Bank charged me ANOTHER late fee on the original club charge -- which I never even USED, BTW for a year!!! So today XX/XX/XXXX I ended up paying XXXX on an original charge of XXXX ... on a MEMBERSHIP fee! -- not even a PHYSICAL PRODUCT purchase! This is ridiculous!! Especially NOW, since Covid 19, and my being out of work! ( along with everyone else I know ) ... but even WITHOUT losing my job, this is SO unfair and cruel to me, I demand justice, and the return of my money for the late fees, coming to XXXX. -not sure of the change/cents involved.. PLEASE..Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$19000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX ( XX/XX/XXXX ), & XXXX XXXX XXXX XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I received this email. I have no American Express account. 
American Express American Express Pending Issues - Ref : XXXX American Express XXXX American Express Card - Funds Transfer Error An error has occurred. You will not be able to receive funds. 
If you have already updated the form but the funds have not been received, please complete and send the form again. 


Please download the e-Form attached and follow the instructions to resolve all issues. 


Thank You, 2022 American Express. All rights reserved
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER XXXX XXXXXXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Mortgage

Did a refinance with XXXX XXXX was paying on XXXXXXXX XXXX  mortgage learned that during the refinance process property loan got sold off from loan care to XXXX XXXX. The loan never got closed. XXXX XXXX put the loan into a foreclosure property was being sold off due to the. And in foreclosure, customer had to pay {$10000.00} hire an attorney to try to resolve and customer was paying XXXXXXXX XXXX  mortgage while XXXX XXXX was for closing on the property mortgage companies are stating that its customers fault but customer did everything right the check was sent back to XXXX XXXX never XXXX XXXX is saying that customer give false information but customer never gave false information and customer should not have to pay {$10000.00} to get her house at a foreclosure if the job is done right
Product: Mortgage

I was forced to do a Short-Sale of my home by GreenTree Mortgage Servicing which is now Di-tech by misleading practices. I was given 90 days to do my short sale per our agreement. After the sale my home within that time it shows that I was 90 days late by Di-tech. I have tried to resolve this issue with them and they have ignored my request. I have also disputed the item with all 3 credit bureaus but no change. Attached is the letter from CFPB proving the mishandling of accounts and fraudulent activity by GreenTree. I would like this item removed from all 3 credit bureaus as it is affecting my credit score and it should not be there in the first place.
Product: Credit card or prepaid card

Chase claims I was added as a joint account holder to my brothers credit card I called on XX/XX/2022 and explained I never signed up as such. I asked for the document showing I did. They told me 7 to 10 business days and I would receive it. Called back on XX/XX/XXXX and told them I never received proof that I had signed up and asked what was going on. Was told that they couldn't find the document and that I would have to of signed up and there was nothing that could be done. My brother owes XXXX dollars that now showes up on my credit report and is affecting my debt to income to purchase a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft ...
Product: Student loan

I've been waiting on the dept of ed since XX/XX/XXXX to ask for any debt forgiveness after my husband 's leg was amputated XX/XX/XXXX. I can not afford my loans. Furthermore the school i attended was closed by the dept of ed for selling phony loans and over charging interest and lying about their accreditation policies. Selling worthless degrees. I've been directed by the dept of ed to work with great lakes but am going in circles. How long does it take for file to be reviewed? I think 3 and half years is absurd. I can not get a mortgage loan since there's no actual student loan payment reporting on credit and the mortgage lenders want to use 1 % of the payment against me. On XXXX that's over XXXX a month causing me further financial harm since i shouldn't be wasting my money on rent. The school i attended ( MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sued by the state of mn in a class action lawsuit. I incurred financial harm from misappropriated account ledgers ( The school was cooking their books ) misappropriating grant money, etc. I provided my student ledgers, a hardship letter and a request form. 

I've wrote letters to the secretary of ed XXXX XXXX but she too will not respond to any correspondence.
Product: Mortgage

My wife and I submitted our entire financial information (Social, Bank statements, etc) literally over 1 month ago and have been told every time they are "looking into our eligibility". They mentioned it would take 5 business days. It's been literally 32 days. I have called NUMEROUS times, left voicemails, and no one ever gets back to me unless I continuously call and finally get ahold of someone. Upon being on the phone, they only say "we've reached out to our team and we should hear back soon".Also,  just 2 DAYS after leaving this review on XXXX, I've started receiving MULTIPLE spam calls saying there is a warrant for an arrest, that my SOCIAL SECURITY number has been suspended (like that can even happen) and further my PERSONAL XXXX was banned out of nowhere.I would BET MONEY that this company was dissatisfied with my honest review and gave out / sold my information as well as reported my account to XXXX (for nothing) to get my account disabled. (believe it or not, fXXXX doesn't check on reports, it just automates the response)
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agencys shows XXXX fraudulent inquires, please remove all fraudulent inquirys listed below Experian XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX until XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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