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

Subject : XXXX XXXX XXXX Credit Bureaus for XXXX Account XXXX and Resulting Harm I am writing to formally file a complaint against TransUnion, XXXX, and XXXX for inaccurately marking my credit card accounts as being in dispute or fraudulent. This wrongful reporting has led to severe and unjust consequences, including the closure of XXXX of my autopayment accountsRing and XXXX to declined credit card transactions. 
To clarify, my dispute with the credit bureaus was strictly regarding the inaccurate information on my credit reports, including incorrect open dates, payment history, missing payments, and accounts with no data at all. At no point did I dispute any of my active credit card accounts or my student loans, which I fully acknowledge as mine. Despite this, the credit bureaus erroneously flagged these accounts, causing significant harm to my financial stability. 
Additionally, the credit bureaus acted unlawfully by removing me as an authorized user from my husbands credit card without my consent or his authorization, violating both my rights and his financial privacy. 
The consequences of these errors have been devastating. Accounts have been closed without my consent, negatively affecting my financial well-being and credit standing. This unwarranted action has disrupted my ability to manage my finances effectively and has caused undue hardship. 
I request immediate corrective action, including : XXXX. The removal of any false dispute or fraud notations on my credit card accounts. 
XXXX. Restoration of my authorized user status on my husband 's account. 
XXXX. The XXXX credit reporting agencies must contact all of my credit card accounts to have all my accounts reinstated and provide me with documentation confirming these actions. 
XXXX. A written response explaining how these errors occurred and what steps will be taken to prevent such incidents in the future. 
I am seeking intervention from your offices to ensure these credit bureaus comply with the law and rectify the harm they have caused. Please advise me on the next steps in resolving this matter. 
I appreciate your prompt attention to this complaint. I look forward to your response and a resolution to this matter. Please feel free to contact me at the information provided above
Product: Credit reporting, credit repair services, or other personal consumer reports

For account XXXX XXXX that is reporting on my credit report I have sent multiple letters to XXXX XXXX XXXX XXXX and experian to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer
Product: Credit reporting

Account was disputed multiple times and validated as correct, I then sent IRS XXXX showing their report was incorrect and they finally corrected. They are now reporting the old information and again have stated they validated as correct even though I have provided proof the account has been settled and has a zero balance.
Product: Debt collection

In XXXXXXXX XXXX XXXX  my XXXX insurance policy was up for renewal. They wanted to double my insurance payment due to an accident my son was involved in. Before the renewal was due I shopped around and went with XXXX insurance. I contacted XXXX on a 3 way phone call with my new XXXX representative and closed my XXXX account. A little over a month later they kept sending me bills as though I was still a client. I called them and told them I dropped them they insisted I didnt and claimed I had to send a form to prove I went with XXXX and dropped them. XXXX did on my behalf and then in XXXXXXXX XXXX XXXX they got a collection agency after me. I called the XXXXollection agency credit control services told them the situation and they asked me to forward the information to them of how I had insurance with XXXX and dropped XXXX and I did I believe 2 times. I recently seen it got dropped from my XXXX XXXX report but not from the others so today XX/XX/XXXX I called again and explained it all over again and although they were very polite and helpful they want me to pay the debt of {$730.00} which I do not owe. They even offered to knock it down and offered me a payment plan. I told them I appreciate you offering me this but I do not owe XXXX a thing and Im not paying them at all. I asked if she could help me settled this with XXXX and she said all she can do is offer me payment options. I think this is absurd what XXXX is doing. i No longer use them I dropped them and did it before my renewal was due and they were notified more than once and still they continued to charge me. I hope this matter gets resolved with your help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2023 I noticed a west creek financial account on my credit report. I have never applied or had a west creek financial/ XXXX lease or applied for one. This has happed once before with an XXXX account. I believe my information has been leaked and scammers are buying stuff online with my information. Theyre saying its for a gaming computer from an online store. Ive never applied or even looked at gaming computers. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including XXXX '' TO PAID AS AGREED NO LATE PAYMENTS SEC. 4021. CREDIT PROTECTION DURING COVID19.
Product: Credit reporting or other personal consumer reports

To XXXX, Experian, and XXXX, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.
Product: Debt collection

Medical bill should of been ran through insurance, made multiple attempts to get this resolved so they can rerun through insurance but have not removed me from collections on credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX is the servicing company for my federal loans. XXXX is reporting a duplicate account with an open date of XX/XX/year>.
Product: Bank account or service

My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. 

In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. 

I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.
Product: Debt collection

This debt was written off in XXXX, 8 years ago. It's a medical debt saying I owe {$90.00}. When I attempt to dispute the debt via their website, I get an error regarding their domain name. The website for requesting the name and address of the original creditor does not work. The domain to dispute the debt does not work. I called the office and there was no answer. I do not want any communication with this company, I dispute this debt.
Product: Debt collection

On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. 

Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested my IRS Tax return fund to be direct deposited into my " Card.com '' account the funds were deposited into the account however after spending a few XXXX they locked my card for suspicious use. They asked for documents such as my SSN, State ID, and Tax Returns which I proceeded to send to the support team. The Company stated that they couldn't verify me and that they were spending a remaining balance check to the address on the account which is still my address they issued the check XX/XX/XXXX. They stated that it should take 21 business days. The 21st Business day was XX/XX/XXXX I still havent received said check. I called the company everyday monday through friday requesting them to reissue another check. Today is monday XX/XX/XXXX and the company still hasn't issued my check. The costumer support states that the bank is trying to verify however there shouldn't be anything else to verify when I already received my money from the IRS and I already sent them all my Important documents. This is unfair because even if you wanted to contact the bank you cant you only can go through customer service and when you take that option they give you vague answers about what's really going on
Product: Mortgage

We refinanced our home with XXXX, who sold our mortgage to SunWest Mortgage. We set up our mortgage on automatic payment, so there have been no late fees. 
An escrow account was set up as part of the refinance. We were supposed to have two months " buffer, '' and during the refinance, {$480.00} was placed in the escrow account, with {$300.00} escrow payment due each month to cover Homeowner 's Insurance, FHA Insurance, and County Taxes. We just completed our first year, and our property taxes went up by {$100.00} for the year. As of today, we had over {$700.00} in our account, which is more than the 2-month buffer. 
SWMC raised our mortgage from {$1300.00} to {$1400.00} and they claimed they want our " starting balance for the new year '' to be {$1100.00}, which is about 4-5 times the original 2-month buffer. 
SWMC claims it is for the upcoming year 's anticipated " shortage '' based on their " analysis. '' Our escrow only covers 3 items to analyze as previously stated : Property taxes, FHA Insurance, and Homeowner 's Insurance. The FHA Insurance is not going up. The Homeowner 's Insurance has no claims ( and has never had a claim in 10 years ), so its rates are n't going up. That leaves an anticipated increase in property taxes. 
From the time we refinanced until this year, there was a {$50.00} shortage in our taxes, which they just took out this month. 
Currently, we were told we have a $ XXXX balance, and our taxes are due in XXXX. SWMC wants to pay the taxes early ( in XXXX ), claiming that when they do so, we will be in the negative because they will also pay FHA at the end of the month. 
They raised our Escrow to {$310.00} ( from {$300.00} ) to cover the difference in taxes. Then they added another $ XXXX/mo on top of the adjusted escrow payment each month. The new escrow payment is high enough that it will cover ALL payments ( taxes, property insurance, and FHA insurance ), and by this time next year, the buffer will still be there. 
Basically, SWMC wants to add another {$500.00} slush fund at our expense, yet they have absolutely no mathematical or legal justification to take this extra {$500.00}. 
The Math : FHA Insurance {$150.00} X 12 months = {$1800.00}. 
Property/Hazard Insurance ( 12 months ) {$650.00}. 
Property Taxes ( 12 Months ) {$1300.00} TOTAL YEARLY REQUIRED ESCROW $ XXXX Monthly escrow amount needed to cover {$3800.00} charges : $ XXXX/month Current Principal and Interest payment : {$1000.00} + {$320.00} ( adjusted for tax increase ) TOTAL NEW PAYMENT : {$130000.00} SWMC NEW Payment : {$1400.00} If the $ XXXX/month payment shown above covers ALL escrow expenditures IN FULL, and borrowers still have the 2 month required buffer, how can they legally raise our payment an ADDITIONAL $ XXXX/mo. ( $ XXXX/yr ) above the newly adjusted, higher escrow amount?
Product: Credit reporting or other personal consumer reports

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 Subject : Cease and Desist All Communication Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist from all communication with me, including but not limited to phone calls, emails, and mail correspondence. Additionally, I request that you refrain from any communication regarding my account through my TransUnion consumer report. 

This request is made in accordance with Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting consumers if they have been requested to cease communication. 

Please consider this letter as my official notice to halt all forms of communication. I expect to receive confirmation that you have received this request and that you will comply with my wishes. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit card

PayPal Credit sold my debt to a debt collection company called XXXX with the following company email address - XXXX without notice. Both Paypal and XXXX XXXX company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. XXXX of the agreement. Paypal also violated section XXXX of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in collection. Before I could send any disputes, the account was placed with the collection agency and the notice the collection agency provided did not provide any information on how to resolve the issue except pay them money. The debt collector associated with Paypal violated the law. Specifically, What does the debt collector have to tell me about the debt? 
Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws.
Product: Credit card

I used my credit card to purchase concert tickets for a venue that was in our area, and I never received the tickets that I was charged for.
Product: Debt collection

Credit card company raised my interest rate without prior notification, late payment was noted incorrectly on my credit report in XX/XX/2017. I paid online and credit card company sent me to the credit buero for {$6.00} after NO MISSED PAYMENTS for 12 years. This was late payment was inaccurate, they raised my interest rate, without informing me of my rights or any disclosures. The law is you have to give the customer 60 days prior notification before you raise there rate.
Product: Student loan

On XX/XX/XXXX, I took out a private student loan through XXXX XXXX XXXX/AES XXXX in the amount of {$14000.00}. As of today, XX/XX/XXXX, the balance of this loan is {$21000.00}. Over the years, Ive spoken with this lender to discuss these predatory terms and done forbearances from time to time because Ive struggled with making these payments. But no other solutions are available for this loan according to the lender. I was a college student paying for college on my own when I took out this loan. Now that Im older and more knowledgeable, I now know this was an act of predatory lending and hoping the CFPB can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Has a account that I had disputed months ago and still has not removed this. The name is credit collection services, by XXXX. Debt was settle and agreed that when paid in full will be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.
Product: Credit card or prepaid card

I fell behind on my credit card and I received a notice about making a payment to unrestrict my credit card. I followed the prompts and even talked to someone on the phone on XX/XX/XXXX ( XXXX ). The payment was made using a savings account. I waited and waited for the funds to be drafted but they never did. I then received an email stating my payment was returned, but the funds were never removed. I called back to resubmit the payment and was advised that everything was fine. I have been looking forward to using my credit card and made another payment only to be told by XXXX ( XXXX ) that my account could not be unrestricted. I was lied to and deceived just to get a payment from me for a credit card I can no longer use. I requested my funds from my payment back and they said they couldn't do that either.
Product: Student loan

On or about XX/XX/XXXX I submitted an IDR ( Income Driven Repayment ) application and XXXX copy of income tax returns with my current loan servicer MOHELA. I never received any acknowledgment from MOHELA that they received the application and supporting documentation or that the application was being processed. When I recently logged into my account to follow up on the status of my application, nothing showed up under the documents you've submitted section of my account. 

In the past, this information was filed via the studentaid.gov website and the documentation was imputed from the IRS database. However, now borrowers are instructed to upload this information directly on the loan servicer website. Unfortunately, this new way of doing things can lead to applications not being processed and falling through the cracks. These outcomes can have devastating consequences for the borrower such as the account wrongly going into default because of the payment amount and incorrect information reported to credit bureaus. Therefore, on XXXX, XX/XX/XXXX, I submitted another IDR application with supporting tax documentation to MOHELA.