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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting

I have satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I paid a TD Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with TD Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.
Product: Credit card

On XXXX XXXX, 2015, I had my wallet stolen with several credit cards. I reported them all stolen, and submitted fraud claims to the issuers. My Macys card had XXXX fraudulent transaction on it. I 've called Macys Fraud Department several times each month since then, and they 've assured me the charge would be removed within the next billing cycle. However, no progress has apparently been made. When I called them today ( after ALL deadlines they 'd given me were past ), they told me they 'd referred the account out to another agency and would n't be able to resolve it for 90 more days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling constantly. I called back after a robocall to explain I only get {$550.00} per month on SSI. My health mental and physical health are being affected adversely by this continued DAILY XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX by stress, & severe currently untreated XXXX XXXX XXXX I explained I made No debts or signed anything obligating me to pay them, esignature or manual with their company. Therefore owed them nothing. I had to look them up on reverse dialer yo learn who they were, so I could plead a cessation to the constant calling.
Product: Debt collection

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report, there are so many negative information. I told you, this information does not belong to me. Im sure that someone have my personal information.
Product: Debt collection

CBE Group company is stating that I owe {$1300.00} for a phone ; tried to call and resolve and agent was ruled and said that I owed more than the amount mentioned.
Product: Debt collection

I have received numerous calls before XXXX Pacific time from this agency. Some calls are as early as XXXX Pacific time even though I instructed them that I am on the XXXX and calls this early are not appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removed Incorrect Addresses Transunion XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account on my credit report and after the investigation the account was deleted. But then was reinserted, and know that it is illegal for them to do that. I would like it to be deleted and stay deleted.
Product: Credit card or prepaid card

Beginning XXXX XXXX I emailed my first request for Self to close my account at that time I would have had {$130.00}. left over. XX/XX/XXXX I received an email saying I needed to confirm so their bank would close and once it is done it can not be undone. I sent a confirmation email stating to close account and cancel card. On XX/XX/XXXX I again received an email saying I needed to confirm. I confirmed again and on XX/XX/XXXX I received another email saying I needed to confirm. The same activity occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. By XX/XX/XXXX I'm becoming angry. Self had taken money from what would have been leftover for fee 's and interest. On XX/XX/XXXX I received an email saying that the account was finally closed and card was canceled at this point Self had taken all of my leftover money and began charging me. Last time I saw an email from Self it said I now owed {$23.00}. 
This company claims to help raise a person 's credit score. Whats allowing them to do this to people like myself.
Product: Checking or savings account

I called Citizens bank about the fees this bank shouldn't be charging several times after they acquired XXXX free checking accounts since XX/XX/2022 - first they tried charging monthly fees illegally, then came up with a statement delivery fees. It's illegal to charge customers such fees first of all because it's a responsibility of the bank to provide account statements to customers, but moreover because they have bugs in their online app, and they were notified about that over the phone as well. Please take appreciate action. Thanks in advance. 

A representative credited the fee for the statements retroactively 3 months ( XXXX USD ), but asked for an email address, insisting on a paperless option, although I've told her that it would be better if they fix their online banking bugs first. Until they will - paper statements delivery is their only option to do things right for their clients.
Product: Checking or savings account

On XXXX XXXX someone use my card and spend almost XXXX dollars on stuff and i call my bank when it was still pending to stop it they said i had to wait until it goes thru so i could do an dispute. Then that i had to send the paperwork before ten days. Now its been 6 days already am keep calling cause i need to make my car payment that i need my money. Now they say its gon na be 45 days.its not fair.
Product: Mortgage

On or about XXXX XXXX, 2015, Borrowers contacted Wells Fargo Bank concerning the correct interest rate calculation for the repayment period once the draw period ends on XXXX/XXXX/2015, and to explain the ambiguous terms of the Borrowers ' Line of Credit with Wells Fargo which do not support the estimated finance charge of 5.425 % during the repayment period for the subject Line of Credit. In this respect, Borrowers also requested a written reply to Borrowers ' inquiry in a letter dated XXXX XXXX, 2015, to Wells Fargo which Borrowers have not received a written response. 

Despite Borrowers ' repeated good faith attempts to resolve the subject correct interest rate calculation with Wells Fargo, Borrowers submit that Wells Fargo has failed to provide a timely and complete response and has committed unfair, deceptive and abusive acts and practices concerning the subject inquiry within the meaning of The Consumer Credit Protection Act, 15 U.S.C. 1601 et seq. Further, Wells Fargo 's unfair actions are also supported by the documentation herein provided by Borrowers. 

Moreover, since Borrowers first contacted Wells Fargo on XXXX XXXX, 2015, Wells Fargo through its employees and/or agents have made misleading representations concerning its alleged efforts to research and resolve Borrowers ' inquiry by mailing several stall letters dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX purporting to provide a final resolution to Borrowers ' subject inquiry. However, as of this writing Wells Fargo has failed to provide a proper and complete response to the Borrowers to address Borrowers ' position concerning the correct interest rate to be applied during the repayment period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts. Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Have 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.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause the believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I accepted credit card payments through Square and they deposited the net proceeds into my bank account. I do business in XXXX XXXX, FL. Without my authorization, they issued a digital account and authorized fraudulent charges is another city. They mailed a physical card to another city, XXXX, Texas. I discovered the fraud when they did not deposit two transactions into my business checking account from : XX/XX/21 {$60.00} gross XX/XX/21 {$220.00} gross I have contacted them five times without response. They say that they stopped the physical card and closed the virtual account.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation pertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's Name adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the outcome of a recent investigation into inaccuracies in my Experian credit report. The investigation confirmed that certain items in my credit report lack proper documentation and verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i Contacted XXXX, XXXX, And experian about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Product: Debt collection

XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00}
Product: Mortgage

I originated my mortgage in XX/XX/XXXX and have made additional principal payments each month. This has contributed to a 35 % reduction in the principal of my original loan amount of {$100000.00} resulting in a current balance of ~ {$68000.00}. It is my understanding that once more than 20 % of the principal balance has been paid that PMI may be removed. I contacted PNC Mortgage Customer Service on XX/XX/XXXX to inquire about how this could be achieved. I was advised that my request would be passed to the appropriate department and would receive a letter in 10 days advising if it was complete or not. Instead, I received a letter on XX/XX/XXXX advising that my PMI is scheduled for automatic removal in XX/XX/XXXX, per my amortization schedule. The letter then stated that if I would like to have this removed early, I would have to pay {$190.00} for a real estate broker to assess the value of my home but PNC has to facilitate and schedule to ensure it's legitimate. 

This seems like some type of scam to fleece me out of additional fees. I fail to see the need for me to prove the value of my home, when in 7 months PNC will automatically remove the PMI with no questions asked. This is clearly an unfair business practice that needs to be stopped.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the erroneous information on my credit report : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is reporting a debt on my credit file that is no longer owed! I recently had my credit pulled and was notified that Well Fargo is reporting a debt for a charge off This reporting is completely inaccurate!! I paid off this account months ago and no longer owe the debt! This account is causing delays in my home buying process. As a long time customer I am very disappointed to see they have been of no help to me. I need this account fixed immediately and taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to Experian XXXX and XXXX regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. BANKRUPTCY COURT Account Number : XXXX