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

I have been disputing several inaccuracies on my credit report with TransUnion over the past year at least with little to no cooperation from TransUnion. The most recent of which was signed for and received by TransUnion on XX/XX/2021. That letter requested that TransUnion either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for TransUnion to either properly verify or remove these items, as of today, TransUnion is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, TransUnion responds with a slight change and verified as the result. 

This willful neglect for the law by TransUnion has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against TransUnion for their blatant refusal to delete information that they are reporting that can not be verified properly by TransUnion. 

I want these negative items removed immediately as I have given TransUnion more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Product: Debt collection

In XX/XX/2014 my fiance called XXXX to cancel my service as she was switching me to her XXXX account. I was not aware of this action and working at the time. My service was stopped. I called XXXX and told them i needed my phone restored immediately as i used it for work ( XXXX ) and that i did not authorize the termination. I was informed that would be taken care of as soon as possible. The following day I still did not have service. I needed a phone so I went to XXXX as they claimed to have my number ported to them. I was set up by XXXX. About three days later, XXXX ported my number back to them shutting down my XXXX phone. I went back to XXXX and they apologized saying that XXXX should not have been able to do that. Ported me back once again and my service has been working ever since. My issue is that XXXX charged me TWO early termination fee 's and continued my monthly charges amounting to a bill of {$800.00}. I have argued via phone and spoken with a local XXXX dealer to no avail. It is a bill i strongly believe I do not owe and have not paid. It is on my credit report and effecting my credit. I do not believe this is fair at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting a debt that they shouldn't be reporting due to the Illinois State Law that States that any University operating in the state of Illinois weather private or public should not report any debt to the credit bureaus unless authroized by federal law. 

XXXX XXXX XXXX  feels as if this law doesn't apply to them and continues to report this information to Experian.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX  XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts
Product: Checking or savings account

From XX/XX/2021 to XX/XX/2021, there were 41 fraudulent charges from XXXX to both my XXXX credit card and Bank of America debit card in the total of XXXX. When I discovered the fraudulent charges on the XXXX credit card, I contacted the credit card company immediately, XXXX was able to resolve the claim and refund all the charges to my Account. 

However, I was not aware that my personal checking account also had fraudulent charges until balance was down to XXXX  and all the auto payments set up using the checking account were not processed. I contacted Bank of America, they only did a partial refund and denied the rest of the claim without providing any documents used to evaluate the claim. Bank of America insisted the charges were authorized by me or someone who has permission to used the card or account. I always had my cards in possession and only used it to pay for utilities charges and credit balances. There is no authorized user on this account. I submitted the XXXX credit card statement to show Bank of America that same incident happened in the same period and XXXX completed their investigation and refunded my account.
Product: Mortgage

My monthly payment amount went up because the escrow amount increased, and I was not aware of the increase. I am concerned about the insufficient notice I received from my mortgage company about both the rate increase and, more egregiously, the fact that my account was delinquent. 

Today is XXXX XXXXXXXX XXXX  Today is the first time I learned that my account is deficient. I learned this through two letters that the mortgage company sent to my home address, which I received today. I believe they have called my cell phone numerous times, but the messages are XXXX XXXX that do not put me on notice that there is a problem with my mortgage. In fact, they don't even identify the caller. This is a transcript of the entire call I received today, " Please return our call at XXXX between the hours of XXXX XXXX  and XXXX XXXX XXXX  XXXX through XXXX or XXXX to XXXX XXXX XXXX on XXXX. We look forward to speaking with you soon. '' It does not identify the caller as PennyMac. It does not say I missed a mortgage payment ( or a partial payment ). It's not a real person, who identifies me by name and says there is a problem on my account. Instead, it's an automated message merely asking me to call back an XXXX  number for ... an unknown reason. I thought this was SPAM. I get similar calls about student loans and car warranties ( that I don't have ) routinely. I have received other calls that I now assume were also from PennyMac, but I thought those robocalls were SPAM and did not return those calls either. A generic robocall does not suffice as notice that a consumer 's mortgage payment is past due. 

Through a series of telephone calls today, I have learned that PennyMac sent me an email months ago telling me that the escrow analysis was ready to download. I did not see this email because PennyMac sends me so many marketing emails ( there are XXXX in my in-box right now from XXXX alone -- and that's just what I haven't deleted ) that I thought this was another marketing email and did not open it. I therefore did not download the escrow analysis and had no idea my payment amount had increased. 

PennyMac should do better. They either have the ability to tell when consumers have downloaded account documents or they could have that ability if they chose to ( to know whether consumers have received actual notice of critical account changes ). They certainly have the ability to contact consumers to let them know if their accounts are overdue. A XXXX is not notice. 

PennyMac reported the delinquent XXXX payment to the credit bureaus. This will affect my ability to obtain credit, including future mortgages.
Product: Checking or savings account

I am attempting to close my Bank of America checking and savings account. According to their website, I can do this in person at a branch, or over the phone. For both, they direct me to make an appointment. When I try to make an appointment, I am told there are no branches in my area that I can go to, and no phone appointments available. However, when I say that I want an appointment to SERVICE an existing an account, rather than close one, I'm given many appointment options. This occurred today, XX/XX/2023.
Product: Debt collection

I am having an issue with the Roundpoint Mortgage company Roundpoint Mortgage is well-known as a fraulent mortgage company. 
They have received tons of negative reviews for the past few months. 
XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My loan was transferred from XXXX XXXX to Roundpoint Mortgage in XXXX and I don't owe any money to them. 

This morning, I received a letter from Roundpoint Mortgage stating that " We are trying to collect a debt that you owe to XXXX XXXX ''. 
You had a loan owed to XXXX XXXX  with account number XXXX on the date you last made a payment on the loan. 

As of XX/XX/2023, you owed '' {$390000.00} Between XX/XX/2023 and today You were charged this amount in interest : {$200.00} Total amount of this debt now : {$390000.00} __________________________________ I reached out to a customer representative and she did not know anything about this letter and she did not know what she was doing. 

1.

Where does this amount come from? They are theatening our customers with a fraudulent amount that they just made up.

2. 
XXXX + XXXX does not equal to XXXX They could not even figure out a simple math.
Product: Mortgage

We refinanced our home through WAMU in XXXX. After signing the documents WAMU added a predatory loan amount of {$1000.00} month to be charged to our principal. For five years {$1000.00} month was charged to our principal along with interest on a loan balance that ended up being $ XXXX in XXXX when Chase took over our loan. We were not successful in getting this resolved with WAMU before JP Morgan Chase took over our loan. Although after the takeover Chase did stop charging the {$1000.00} month to our principal we have had to pay interest on the {$60000.00} that WAMU added to our principal XX/XX/XXXX-XX/XX/XXXX. 
We have tried working through attorneys, financial advisors, attending homeowner help seminars to no avail. Chase maintains they are " stuck '' with what they bought ( or were forced to take over at the time ). In the past six years since Chase took over our loan we have paid interest on the {$400000.00} balance leaving us underwater from XXXX. We now owe {$350000.00} on our WAMU/CHASE loan that started at {$360000.00} in XXXX and increased to $ XXXX over 11 years. 

Thank you, XXXX XXXX XXXX XXXX
Product: Bank account or service

Back in XXXX of XXXX I had a direct deposit of XXXX dollars that went into my checking account at the time with usaa, well there was fraud on the account not due to my own doings but a guy that I met online and gave him the information to put money in my account. They put my account on hold and locked it out due to this guy ( XXXX XXXX ) he would call himself, I even reported him to the FBI and still have emails that he sent me from that time, they have requested information to prove my identity and I did, every time I would call them to see if they had come up with an answer they would either hang up on me or transfer me to 5 if not 7 different departments and this is still going on today as we speak. Here is is XXXX XXXX, XXXX and they still have my money of XXXX dollars and cents that i received from my job back in XXXX and they still will not give me my money back.
Product: Debt collection

I was looking on my credit report and I noticed I had a collection on my account from National Credit System for XXXX. I never had no account or anyone else for this matter. Under 15 USC 1692G and 1681b ( permissible purpose ) this is violating my consumer rights.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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  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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have a permissible purpose before accessing my credit information. I did not authorize the following inquiries, and I demand their immediate removal from my credit file : 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  Since I did not provide written consent for these inquiries, they constitute a violation of my rights under the FCRA. I request an immediate investigation and demand written confirmation of their removal from my credit report. 

If these unauthorized inquiries are not removed within 24 hours, I will escalate this matter by filing formal complaints with the Federal Trade Commission ( FTC ), my State Attorney Generals office, and other relevant consumer protection agencies. Additionally, I will explore legal action under the FCRA should this issue remain unresolved. 

Please confirm in writing that these inquiries have been removed. I expect your prompt attention to this matter and appreciate your immediate compliance.
Product: Debt collection

I received a letter from a company called XXXX who is collecting on behalf of Conn 's Furniture. I called them to discuss the account. I asked them to not call me going forward and to only communicate by mail. 
Since that conversation on XX/XX/XXXX I have received multiple calls from local numbers ( north carolina ) as if they are local and in the area but its actually them. I received a 3rd call from XXXX again today from a XXXX area code which is local to me but the extremely rude women was from Colorado and said that on the call. She wanted me to confirm my personal information before explaining why she was calling and who she was calling on behalf of.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/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 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  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my Experian account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call Experian on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with XXXX breach which XXXX just adding. I was told my Experian that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt included in or discharged through Bankruptcy XXXX XXXX  XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXX Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX  DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.
Product: Checking or savings account

Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX  XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX  XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.