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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise update these accounts immediately. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX CO XXXX Date Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Hard Inquires not attached to any open accounts on Credit Report XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

Service soluntion company get the account from XXXX XXXX  they contact me via email and my secretary give them my number they never call me but payments was being make to the account the last payment was on XX/XX/XXXX from the amount of XXXX and the second payment was due on XXXX the account is not late for 45 days like they claim they also send me a statement and the statement claim I owe XXXX but when I call then they say XXXX claiming that I have late payments with XXXX I make a payment on XXXX, XXXX and XXXX XXXX I didnt make a payment I put the account current on XXXX but they just put me a 30 Days late payment wich is incorrect also trying to collect a amount of money that I dont owe then I make a agreement with XXXX not service solution but I still making payments they are reporting wrong info on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. Equifax has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

Recently I checked my credit report, and I saw that one medical item on my report. I was surprised how can the collection agency add an item on my credit file without sending me a notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a XXXX   XXXX case and was able to break the lease without having to pay anything. I had a XXXX XXXX filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Product: Debt collection

I became aware of a collection debt via XXXX XXXX XXXX XXXX from Procollect Inc for {$300.00} from XXXX XXXX XXXX. Debt sent to collections that was not mine. Identity Stolen and reported on XX/XX/21. Person had applied for multiple apartment leases in the area.
Product: Debt collection

Navy Federal Credit Union is alleging I owe a debt I do not. Banks are not allowed to lend money from their assets or their depositors assets so how is it that they extended this credit transaction. They did not my signature created the money for this transaction and Navy Federal Credit Union continues to allege I owe a debt. This is my final complaint to this credit union to provide evidence that I lawfully owe this debt or consider this your notice of a potential lawsuit for damages you have caused.
Product: Student loan

This was my original complaint against the owner of the private loan XXXX XXXX XXXX XXXX XXXX ) who still is the owner but they passed the buck off to the loan servicer ( Mohela ) who does not own the loan, they only service it : I filed for a XXXX XXXX  bankruptcy in XXXX of XXXX and it was granted in May 0f 2021. XXXX was included on the bankruptcy and was sent the information from the bankruptcy court stating my bankruptcy was granted. XXXX however did not discharge the private loan and continued collecting on it. From XX/XX/XXXX thru XXXX of XXXX I paid approximately {$1300.00} in payments to XXXX. Had they discharged the loan when they received the information letter from the bankruptcy court I would not have paid this amount. I am requesting a refund of the monies paid to XXXX from the time period stated. Since the bankruptcy my loan will be discharged thru XXXX 's XXXX misconduct discharge, however like I stated it should have been done back in XX/XX/XXXX when they received the letter from the bankruptcy court.
Product: Mortgage

Failed to apply a {$940.00} check to my account they received and cashed when my mortgage loan was transferred to Mr. Cooper from XXXX XXXX XXXX. 
XX/XX/XXXX of XXXX XXXX XXXX XXXX had a bulk check for {$320000.00} ( check no XXXX ) delivered to Mr. Cooper via XXXX  ( tracking no XXXX ). A Ms. XXXX XXXX signed for the check. Within those funds was {$940.00} that should have been applied to my loan number ***********. The check was cashed on XX/XX/XXXX. I was told by multiple Mr. Cooper representatives on recorded lines that 1 ) they did not receive this payment from XXXX XXXX XXXX 2 ) I need to contact XXXX XXXX XXXX  in regards to the payment that was never transferred 3 ) if they did not receive the payment within 60 days of the Notice of Transfer my credit could be negatively effected. 
I was still receiving a statements showing a double payment being due. I called Mr. Cooper again to verify that they had still not received the payment and that they are positive that they have not received the payment and that I still need to contact XXXX XXXX XXXX to track down the missing payment but that I need to make the double payment in the meantime to ensure my credit isn't effected. As directed I made two payments processed by my credit union XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I proceeded to call XXXX XXXX XXXX insisting that they had not transferred the payment to Mr. Cooper. I went through several supervisors, and had to have my credit union track down the Ipay proof of payment, the credit trace number, and a letter from my credit union and continue to follow up with several supervisors and emails 7 separate emails through their online portal only to find out that it was transferred to Mr. Cooper 5 months ago and Mr. Cooper simply failed to apply to payment to my account and then failed to realize that it was their mistake and then lead me down a 4 month rabbit hole leading me right back to them. 
On XX/XX/XXXX I connected a Mr. Cooper representative with a supervisor at XXXX XXXX XXXX to make sure this situation would be resolved expediently. XXXX XXXX XXXX provided all of the information I stated above and faxed a spreadsheet with a breakdown of the mortgage numbers and amounts distributed to Mr. Cooper on the above referred bulk check to Mr. Coopers research department. I called Mr. Cooper today to follow up. I was informed that their research department needs more documentation. I checked my email and it shows an email that 1 ) can not be opened 2 ) the link has expired in the email and 3 ) the email that I received the notice from is deactivated. 
I proceeded to email Mr. Cooper two more times at the XXXX email I was given by a representative. I have not received any useful communication from Mr. Cooper and more importantly the {$940.00} has not been applied to my account or alternatively they have not mailed me a check for {$940.00} to reimburse for the double payment I had to make to cover their error and protect my credit.
Product: Bank account or service

Wells Fargo charged me {$90.00} for a safety deposit box that was closed in 2011, then charged me a {$35.00} overdraft fee to cover this box fee.
Product: Credit card

I am filing a complaint regarding Chase Bank 's recent reduction of my credit line. This action was taken without prior notice and has adversely affected my credit utilization ratio and financial stability. This sudden reduction occurred right before XXXX XXXX weekend and impacted not only myself but also a cohort of other customers. 

Key Issues : 1. Lack of Notice and Justification : Chase reduced my credit limit without any prior notice or adequate justification.

2. Adverse Impact on Credit Score : The reduction has increased my credit utilization ratio, potentially harming my credit score.

3. Inappropriate Timing : The timing right before a major holiday suggests a strategic move by Chase to manage their liquidity at the expense of their customers.

4. Disregard for Consumer Loyalty : Despite my strong credit history, high earning potential, and promising job prospects, this action reflects a disregard for customer loyalty and financial health. 

Request : I request an investigation into Chase Bank 's practices to determine if they violate any consumer protection regulations. 

Specifically, I urge an examination of : - The criteria and process used by Chase to determine credit line reductions. 
- The communication and justification provided to affected customers. 
- The impact of these actions on consumers ' credit scores and financial stability. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I paid my all debts for XXXX XXXXXXXX. Now after more than 5 years I received a notification from you that I am owing you a remaining balance. 
Not sure what you a re referring to. 

Case # XXXX
Product: Payday loan, title loan, or personal loan

I have requested them to validate this note. This bad inquiry has been on my bureau for more than 4 years. After many request still no answer. please advise.
Product: Debt collection

Back in XXXX or XXXX, I became I XXXX with my company. We have our cell phones and technology paid for by the our employer. I called XXXX XXXX and had BOTH my cell phone and tablet transferred to the business account. I was clear about transferring both items. The XXXX employee stated that they just needed to get the clearance from my employer. My phone bill was transferred however my tablet was not. I was not contacted about this until a much later date. I didnt hear anything about an outstanding bill until I went into the XXXX XXXX location in XXXX XXXX a couple years later after having an issue with my phone. I remember the store employee telling me that she shouldnt be discussing this with me because its already been turned over to collections. That conversation had to be in XXXX. When I check my credit score, it states that this wont fall off until XXXX!! The tablet was in collection in XXXX so how will this not come off of my credit score until XXXX?? How is this possible. That is WAY past the 7 years something takes to come off of someones credit report. MULTIPLE TIMES, likely XXXX times, I spoke with the collection company that XXXX hired to collect my debt. I requested them to have XXXX XXXX contact to to explain why they never placed the tablet onto our business account in the first place. They continued to call and harass me while I was working for months even years after I requested XXXX contact me and they stop. I want XXXX to explain their error that caused this debt in the first place. My credit has been suffering for years and will continue to suffer because of XXXX error and lack of communication about the debt. The debt is a small amount and can be easily paid. However, this was an error on XXXX part and Jefferson Capital continues to reopen this collection. It should have been off my record years ago but because of an error and Jefferson Capitals shady dealings this continues to be on my credit. This is really a complaint for Jefferson Capital and XXXX XXXX but since the original error was made by XXXX, they need to have most of the responsibility.
Product: Debt collection

REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is XXXX XXXX  using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & XXXX XXXX has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from Affirm INC. NEVER! Did I give affirm such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to XXXX XXXX who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of XXXX XXXX gross negligence in complying with XXXX XXXX. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

XXXX XXXX has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be Zeroed Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to XXXX XXXX XXXX XXXX. 

Attached is an invoice payable to my name.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a Capital One credit card under my name with an outstanding balance of over {$3000.00}. I called Capital One to request information about the account and they gave me no information. I started a fraud investigation with capital one and they closed the account. I also added a fraud alert to my credit report and filed a police report. Capital one denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. Capital One then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via XXXX. This account is fraudulent, I did not apply for or authorize the account.
Product: Credit reporting or other personal consumer reports

I disagree with the information listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit worthiness. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation with the information update immediately. 

NAME : XXXX XXXX XXXX XXXX : XX/XX/1992 ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  :
Product: Vehicle loan or lease

I paid off the car in full, called and made a payment so I would be done with it and the payment still hasnt posted and they just reported the account as delinquent
Product: Credit reporting or other personal consumer reports

Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX bankruptcy discharged Account name XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX  Account XXXX XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXXI XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX representative. I was also informed XXXX only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. XXXX has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. XXXX has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to XXXX and no response. XXXX has only reported this to Transunion.