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

I've asked XXXX and Transunion to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or XXXX XXXX company. 

I also received a letter from TRANSUNION saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account : XXXX XXXX XXXX. 
# XXXX XX/XX/XXXX18 Fraudulent inquires : XXXX XXXX /XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX opened claim XXXX provided receipts showing items had been received by merchant but never refunded XX/XX/XXXX received refund from merchant for other transactions I had done with them not related to claim XXXX for similar amounts XXXX x 7 and XXXX x1 XX/XX/XXXX Wells fargo reverses my credit due to " merchant credit claim '' for transactions that are not related to the claim and aren't even on the same debit card as the original transactions I have tried contacting wells fargo over 70 times at this point trying to get ahold of someone who could possibly reopen my claim. I've sent 30 emails and been promised to be called back more times than I can remembe. I need the claim reopened as it was closed incorrectly because I still to this day have not received merchant credits for those transactions that were disputed. Please check the attached files I provide as they are the physical in store receipts for all the transactions and they clearly show the transactions in XXXX are not related to the transactions that are on the claim XXXX. 

PLEASE look at the attached files and see that these are all the receipts for all the transactions and that the refunds on XX/XX/XXXX are not in any way shape or form related to the transactions on on the claim. I'm not asking for anything other than this.
Product: Mortgage

Newrez holds my mortgage. They acquired it from XXXX mortgage shortly after I purchased the home in XX/XX/XXXX. 

I am a XXXX XXXX  XXXX XXXX Veteran who resides in New Jersey and as such am entitled to a property tax exemption in the amount of 66.333 % Newrez continues to charge me an amount which is incorrect due to the fact that my property tax escrow is considerably lower than what they say it is The overpayment in my escrow account is approximately {$400.00} per month due to the fact that they overcharge me on my property tax escrow They were supposed to, once again, adjust my escrow payments thereby lowering my mortgage and they still have, as of today 's date, not done that they have kept my overpayment for XXXX and have no idea when they will refund it they also have no idea when they will adjust my total mortgage payment to the right amount so on XX/XX/XXXX a mortgage payment is due, once again, at the higher amount i am not required to pay. 

Additionally, if you contact them, they say they are a debt collector and anything you say to them will be used to collect the debt. I thought they were a mortgage company
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. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed my concerns with synchrony bank along with equifax and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does the synchrony bank trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to equifax and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Product: Checking or savings account

Day 4 of asking for my funds plus interest to be returned to the bank account it originated from. I will be sending every day ubtil it is resolved.
Product: Credit reporting

I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - after several attempts to access my credit information on the TransUnion website I called their office at ( XXXX ) XXXX for assistance. After being online for exactly XXXX minutes and speaking with two individuals ( the last of which was a supervisor by the name of XXXX ), I was informed that TransUnion has unilaterally decided to lock access to my credit information on their website so that I nor anyone else can access the information. Allegedly they took this unilateral action to protect my personal information from someone that allegedly tried to access my credit report in XXXX!! I was never informed of such action, and never consented to such action. It does not make sense for TransUnion ( or any credit reporting bureau ) to unilaterally block the owner of the credit information from gaining access to their own information. I have no idea what information is on the TransUnion website that may be inaccurate or fraudulent because I can not gain access to review the information. I was told by the TransUnion customer care supervisor ( XXXX ) that there is nothing I could do to remove the block. As a result, I am permanently unable to gain access to my credit information on the TransUnion website, which is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2023 I had XXXX XXXX in my cash app prepaid card savings account. 
I also had XXXX XXXX that was in the cash app cash card account. 
When moving the savings balance to the cash " card '' balance the whole amount XXXX XXXX XXXX was taken out of the account. 
I then contacted customer support and was told there had been a mistake and I wasn't charged from a previous purchase I made. 
I asked why I couldn't see the activity on my account that would justify the money being taken out of my account? 
The representative suggested I look for a completed purchase in XX/XX/2023 from XXXX. 
The representative suggested I look between the dates XXXX XXXX. 
And that the purchase was authorized then but the money wasn't taken out of the account. 
There was no negative balance or anything that would support Cash Apps claim. 
2 days later on XX/XX/XXXX a family member sent me XXXX XXXX and the whole XXXX XXXX was taken from my account without showing on the ledger or account activity page. 
when I tried to reach customer service I received no response and my account was closed my balance wasn't recovered and I have no access to XXXX XXXX  that is in the account. 
Now on XX/XX/XXXX I have access to the account but I still haven't heard from customer service not even their standard away response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions
Product: Credit card

On XXXX/XXXX/17, I made a payment to my Bank of America credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a " payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Bank of America has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove a fraudulent account on my credit report despite of proof I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never open up a XXXX XXXX credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account #  on my credit report is XXXX
Product: Credit reporting

still waiting for experian to fix credit report and also put my XXXX score back over XXXX where it was before case # XXXX was started all XXXX scores want back to over XXXX where they were before this all started
Product: Money transfers

I used OfficialPayments.com to pay my personal property taxes for XXXX XXXX XXXX XXXX, VA. The XXXX Personal Property Tax Bill issued by XXXX & XXXX specifically indicates that payment can be made online through www.officialpayments.com. The tax bill also indicate that in the upper right hand corner that " On XXXX XXXX, XXXX the Board of Supervisors adopted an amendment to Chapter XXXX, Vehicle License Fee Ordinance, to change the due date from XXXX XXXX of the preceding year to XXXX XXXX of the actual calendar/tax year in which the vehicle is garaged, stored, or parked in XXXX & XXXX XXXX and the inclusion of enforcement remedies as prescribed in the Code of Virginia. There is no increase in fee. '' All tax payments are indicated to be paid before XXXX XXXX of each year provided notices from the county are sent out in a timely manner. The tax bill was for {$78.00} and it can be verified that the money was transferred from the bank ( XXXX XXXX XXXX XXXX ) of the consumer to officialpayments.com along with associated fees ( handling charge ) per transaction as indicated on the back of the bill. XXXX XXXX XXXX County Treasurer Office c/o XXXX XXXX and XXXX XXXX deny receiving those funds and/or misappropriated the funds to excessive fees not allowed. There are only XXXX types of fees mentioned on the bill. The handling charge was paid for making a payment through officialpayments.com. The other XXXX fees were a 10 % penalty after XXXX/XXXX/XXXX which would be {$7.00} and 8 % interest beginning XXXX/XXXX/XXXX which is divided into 12 months, being approximately {$0.00} a month ( totaling approximately {$2.00} by XXXX XXXX ). Other than those acknowledge fees, the bill indicates " There is no increase in the fee. '' XXXX & XXXX XXXX denies receiving any funds prior to XXXX XXXX or thereafter subsequently sending notices to the XXXX XXXX Virginia Department of Taxation and XXXX XXXX Virginia Department of Motor Vehicles preventing renewal of registration. There has been indication by XXXX XXXX and/or XXXX XXXX that there were fees assessed that may have misappropriated any funds actually sent to the office and then it was subsequently reported that the office did not receive any payments that were wired from the personal XXXX XXXX XXXX of the consumer to officialpayments.com and then electronically wired or transferred from officialpayments.com to XXXX XXXX XXXX XXXX c/o XXXX XXXX and/or XXXX XXXX. The XXXX XXXX XXXX XXXX has verbally indicated that the transactions were completed and a consumer financial protection bureau complaint was filed for further verification on XXXX/XXXX/XXXX under complaint number : XXXX. OfficialPayments.com transaction confirmation number ( s ) : XXXX and XXXX ( attached ). The XXXX XXXX Virginia Department of Taxation also with held approximately $ XXXX because XXXX XXXX XXXX XXXX indicated that they were not paid.
Product: Credit reporting or other personal consumer reports

I made a dispute with Experian about an old account that shouldnt be on my credit report and I just received and email XX/XX/year> they couldnt take it off. I tried to log into my account and they have purposely kept me from logging into it, Ive already submitted my information so they could verify that it was me & said it would take XXXX hours but its been past XXXX hours its been a week and a half almost XXXX. Ive also made statements like I want to cancel my membership and they havent done that either. Im exhausted
Product: Checking or savings account

I opened an online checking account with Citi Bank following their website for a priority bank account which states following on their website. " Open an eligible Checking Account from XXXX - XXXX and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities.1 To unlock your bonus, deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days starting at the XXXX day. Only new checking customers can take advantage of this offer. TO GET STARTED, CHOOSE AN ACCOUNT To enroll in this offer, you must apply directly from this page. Opening an account does not guarantee that you meet eligibility requirements. '' This was the similar promotion for month of XX/XX/2023 when I opened my account. I followed all instructions and they even confirmed me on the phone that all the conditions are met to get a reward. After speaking to the Citi agent according to them there is no offer attached to my account which is contrary to what they claim on their website. I feel they are not staying to true to their words
Product: Student loan

I was first told by a representative of Sallie Mae that I could call every 3 months to defer loan payment if my financial situation did not get any better because of COVID. She deferred my loan, 3 months went by and Im still struggling, I called back as told. This representative I spoke with told me that there was nothing they could do to help me and it will go on my credit score preventing me from buying a car, home, ect. I begged with the representative from Sallie Mae, she simply told me what I had to pay monthly which was well over {$2000.00} and she could not provide me with anymore assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I request immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Balance : {$18000.00} - I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date.
Product: Debt collection

I called to settle a {$70.00} debt. I was spoken to in a rushed, abusive, bullying tone by the rep XXXX. She talked over me and would not respond to my request for her to change her tone or lower her voice level. She threatened to write on my credit report that I " refused to pay '' if I did not give her my credit card number immediately. She used condescending discriminatory tactics I made the full payment. She did not thank me.She has not sent me a receipt for my payment. I have no way to prove it was paid! I can not get an apartment unless I can show payment was removed from credit. They have ridiculous power over someone's credit and this should not be allowed. 

XXXX XXXX = Rude, unprofessional, and cursing low-life representative. Unacceptable. Hundreds of XXXX Reviews say the exact same thing. I even tried to call back to COMPLAIN, and the man who answered in that dept. was exactly the same! He would not even take a complaint, but insisted I give him my Social Security number! They need to SHUT DOWN this horrible place!
Product: Debt collection

I recently sold my home and closed my mortgage account with Ditech. I have been waiting since XXXX for my refund escrow check. It has been reissued to me about 4 times now. Every time i call, they either say I have to wait 30 days, don't have a record of a recent request, or refuse to transfer me to a supervisor because they are " all busy ''. They put me on hold for long periods of time, and only when i speak again they say they figured it out. It seems like they legitimately put me on hold for as long as I will allow. 

This last time I called, end of XXXX, they " reissued '' my check, said it would be here by XX/XX/XXXX. I called again around beginning of XXXX/last day of XXXX, and a new rep said I would receive it by XX/XX/XXXX. I called TODAY, the XXXX, to make sure it was sent out, and the rep said I never requested a new check, the last time was XX/XX/XXXX and they never put a stop payment and there is no other history of my call. 

I'm getting really annoyed and very frustrated as i keep running in circles and it's a decent amount of money that I would like back. 
Half the time, it is ( and sorry ) a foreign person who doesn't speak English well, and keeps trying to FAX or EMAIL me refund check, which, lol, you can not deposit an email. 

This call currently is running 40 minutes and counting and I still can not get through to a super or anyone higher. The rep puts me on hold to look for someone, until i start saying " hello? '' and then says sorry, everyone is busy, i can email the supervisor though and no, you can not be copied on the email.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX5 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - Account NumberXXXX List of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX