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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute Regarding Incorrect Reporting of Accounts by XXXX on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute and bring to your attention an error in the reporting of my credit information by XXXX to TransUnion. Specifically, I am addressing the inaccurate reporting of 17 accounts associated with XXXX on my TransUnion credit report. 

These 17 accounts were previously reported as derogatory on my credit report. However, I wish to clarify that these accounts are in fact in good standing or have been paid as agreed. The reason for this discrepancy is due to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I received. 

As per the guidelines outlined in the XXXX XXXX process, once my discharge was approved, XXXX should have updated the status of these accounts to reflect that they were discharged due to my total and XXXX XXXX. Additionally, any payments made on or after the effective date of the discharge should have been refunded, as stipulated in the XXXX XXXX guidelines. 

Furthermore, it is important to note that these accounts should not be marked as closed, but rather should be marked in good standing or as paid as agreed. They should also remain on my credit report as evidence of my responsible repayment history prior to the discharge. 

I have already communicated this matter to TransUnion through a certified letter, providing documentation to support my claim. However, as the reporting entity, XXXX holds responsibility for accurately reporting my credit information to the credit bureaus. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of these accounts by XXXX on my TransUnion credit report. Specifically, I request that : The 17 accounts associated with XXXX be updated to reflect their correct status as discharged due to total and XXXX XXXX. 
Any payments made on or after the effective date of the discharge be refunded as per the XXXX XXXX guidelines. 
The accounts be marked as in good standing or paid as agreed, rather than closed. 
The accounts remain on my credit report as evidence of my responsible repayment history prior to the discharge. 
I am enclosing copies of relevant documentation, including the XXXX XXXX approval, for your reference. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and ensure that my credit report accurately reflects my credit status. 

Please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have four fraudulent charges on my XXXX credit card of {$30.00} each totaling {$120.00} from the company " XXXX ''. These charges are unrecognized and fraudulent. On numerous occasions, 4+, I have contacted Capital One in regards to these unrecognized and incorrect charges. I have provided them all the information they require, of which I have proof. Capital One is not removing these charges from my account, even though they are completely unrecognized. Capital One is legally required to remove these fraudulent charges from my account, yet they are not doing so. Not only does this issue affect the safety of my account but it is not legal. In addition, Capital One is being deliberately difficult and misleading, constantly connecting me to overseas call centers whenever I reach out in regards to this issue, which makes communication on this issue very difficult- they know this and do it on purpose. I have been a long time customer, have always paid my bill on time and have never had any financial complications with this card. Despite numerous attempts to resolve this issue with them sincerely and directly, they are purposely refusing to rectify this issue and violating consumer law.
Product: Debt collection

I submitted a complaint Transworld Systems Inc on XX/XX/year> requesting for validation and verification of the debt alleged debt owed. I requested documentation specifically the contract, note or other instrument bearing my signature, current name and address. I also requested the certified mail receipt when the notice was sent out to me giving me the opportunity to dispute the alleged debt before placing it on my credit file which again is a violation of my consumer rights. I received a billing statement in which does not constitutes debt validity, verification, or the information requested. Nor did this company advise the credit bureaus agencies that I dispute this debt. See 15 U.S.C. 1692g ( a ) and ( b ), 1692e ( 8 ). Again my rights were already violated as I did not receive proper notification before this item was reported to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfamiliar with the 5 inquiries from XXXX XXXX that kept occurring along with XXXX and XXXX/CC inquiries that are also on my TransUnions report.
Product: Credit card or prepaid card

To Whom It May Concern : I am XXXX XXXX, a Citi Premier card holder. 

On XX/XX/XXXX, a fraudulent charge appeared on my credit card account ending in XXXX, appearing as " XXXX XXXX XXXX XXXX CA XXXX with an amount of {$210.00}. I called both the general customer service and the fraud department immediately, XXXX phone calls. Both people confirmed with me that my account has been blocked. However because my account is brand new they can not verify my information online so they would mail me a letter and I can only dispute the charge after I receive the letter and follow the instructions written on it. 

The next day I went to a XXXX and called the fraud department from there. I was told that my accounthas been blocked so I could rest assured for now. 
However, today when I checked my online banking I saw a new fraudulent chargeAPPEAR on my account. It was on XX/XX/XXXX, after I made the first XXXX phone calls and was told that my card was blocked already, in the name " XXXX XXXX XXXXXXXX CA '' with an amount of {$110.00}. I immediately made a phone call to the dispute center and the person who picked up the phone only told me to wait and refused to offer me any further information. 

I don't know how the scammer could still use my card when it has been blocked. Has it really been blocked? I feel disrespectful and very very anxious. A proper explanation is badly needed. Moreover, I need to submit disputes to both charges now and get reimbursed. 

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

I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented :
Product: Mortgage

carrington latest specialist XXXX XXXX stated she refuses to deal with us .we do not have a specialist.oiut concerns have not been address and now carrington refuses to enter nto loss mitigation negotiations as payback for borrower making complaints for borrower not getting information ie complaete breakdown of arrearages. this is not fair, why should borrower be precluded from assistance
Product: Credit card or prepaid card

I have an  XXXX   XXXX  account with USAA and I 've been constantly been charged with interest on purchases fees in the amount of {$57.00} and also hit with a interest charge for cash advances in the amount of {$46.00} on a monthly basis. I 'm hit with the interest on purchase fee if I pull out  a cash advance and I believe the cash advance  fee to way to high. I 'm also hit with these same charges even if I dont ' use the card at all. I 'm being told that I also incur these charges if I carry a balance over to the next month. I 've been making payments on this account for years and these charges whether I use the card or not is keeping me in a constant loop of debt. I 've tried to talk to  XXXX   XXXX  at USAA about these constant charges to no avail. I need this agency to step in and mediate an fair rate of interest. It 's like a mob shake down where I will never be able to pay this account off. I 've attached a copy of my account statement.
Product: Credit reporting or other personal consumer reports

I am filing another complaint against Experian regarding inaccurate information on my credit report. The issue at hand involves Experian reporting three accounts that do not belong to me, and the Address Identification Number ( AIN ) associated with these accounts, XXXX, is linked to an address that has never been associated with me. 

This erroneous information has a significant impact on my creditworthiness and financial standing. I have attempted to address this matter directly with Experian without resolution. Despite providing evidence that these accounts are not mine and that the associated address is unfamiliar, the inaccurate reporting persists. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue is crucial in preserving the integrity of my credit history and ensuring fair and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 to believe that the information is inaccurate.
Product: Mortgage

I made a complaint in XXXX XXXX. Regarding Green Tree Servicingin applying my mortgage payments holding themand claiming that they arenot being paid when I made the complaint with you the filds but the third party of my payee and nod I was not even notified until I pulled title from the title company what is going on pictures my payment for being taken out of my account not being applied to my mortgage my loan modification was approved in XX/XX/XXXX from XXXX XXXX I made my complaint with you they started backdating documents not applying credits over XXXX {$180.00} plus several more XXXX that were true compared to my payee and they are stillcontinuing a hardship on me and I need them to cease and desist on harassing me I have my phone calls they have never ever sent me any document as such I have asked him several times for my receipts on my payments I have my bank statement for being such payments to them they are to be treated with distrust I can not get through to anybody but one person always direct me to a specific person named XXXX XXXX XXXX need you guys to look into this company they by their phone numbers say they are changing their name company name I have not been notified nor have I been notified of it in OD on my own property and they are still continuing taking my friend Fund 's thru my payee and not applying my account gave it to a a company by the name of XXXX Services Incorporated XXXX XXXX California I have never been contacted by themthat might be green trees continues calling me on a regular daily basiswill you get ahold of this company and have some action happen my name is XXXX XXXX XXXX I 'm in XXXX XXXX Californiathey can contact XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rights numerous times.They also failed to protect my personal information Because of their data breach in 2022!!! I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Transunion written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX  that the following account ending XXXX is accurate and factual. According to 15 usc 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I feel like Im being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with XXXX XXXX and {$120.00} with Equifax XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Product: Vehicle loan or lease

I recently purchased a new vehicle and traded in my XXXX XXXX XXXX. The dealership paid off my existing loan with Credit Acceptance Corp on XX/XX/XXXX. I contacted Credit Acceptance Corp after that date and asked when I would get my refund of the over payment. They stated I will have it by XX/XX/XXXX. Not sure why it takes 4 weeks to refund someone an over-payment when they have it all on their books effective XX/XX/XXXX. 

I called about four times through last week asking about my refund and they finally told me that it was {$540.00} approximately. I asked when they check was sent they stated XX/XX/XXXX. They also sent a separate document that laid out the payoff. I received that document via regular mail on XX/XX/XXXX. The check was not included in that letter. I called Credit Acceptance Corp again and they stated that letter comes out of a separate department than my refund check but they were both sent the same day. To this day I still have not received my check. 

This complaint is being filed because they have had my money for over a month and continue to tell me its in the mail when its been 12 days and I still have nothing, it should have arrived the same day as the other document. I am starting to thing they are scamming me and do not have the money to refund me. I ask the CFPB to look into this matter to investigate for potential fraudulent activity by Credit Acceptance Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.
Product: Student loan

I have contacted Navient regarding my student loan, while I was in school I was being contacted regarding my student loan was late and required attention. At this time I have been in school for almost 6 months and they were reporting that my student loan was late. It should 've been deferred because of my full time status in school. When I spoke to the rep, he stated that it was a mistake and the school did n't notify them of my full time status. He explained the process saying the school should have sent my status to the government loans and it would 've been automatically deferred. He decided to remove the late payment from my credit report. When I checked my credit report, it was not removed and it shows that I have 12 late payments on XXXX and 11 late payments on XXXX which is incorrect. I contacted them again, and the new reps said that I do n't have any late payments recorded on my account. I asked them again to ensure that I had no late payments and it was reflected incorrectly, they stated that in their system I do n't have any late payments. I then waited one month to see if the late payments would be removed from my account, and it has been past one month and the late payments are still showing. This is ruining my credit score totally as it shows that I 've been late recently on my student loans, and I have not. I have tried twice to contact customer service, and they were unable to see what I am speaking about but its reflecting on my credit report. This information will be noted on my account once sent to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

False statement or representation of debt Per violation, this is computer generated signature, XXXX no original signature ), there is no legal contract on file with original signature. Contract cancelled with XXXX XXXX & National credit adjusters Collections. ( see attachment**************** )
Product: Checking or savings account

1. On XX/XX/2018, a purchase was made in the amount of {$160.00} for a defective medical device. I returned the unit via USPS and provided a copy of the email from the company and a receipt to Wells Fargo. On XX/XX/2018, Wells Fargo deducted the amount previously credited and did not notify me in order for me to preserve my rights and dispute fraudulent allegations from the merchant. Hence, I have not received a replacement device or a refund. Merchant fraudulently presented a receipt stating no refunds, exchanges only. If that is the case, why have I paid for something I do not have? I have not received the item and Wells Fargo took {$160.00} from me, their customer without informing me. Wells Fargo upheld a scam involving me as their customer. I am appalled and need resolution. 

2. Wells Fargo did the same thing addressed above and did not inform me. After a provisional credit from XX/XX/18, Wells Fargo took the money back out of my account on XX/XX/2018, without informing me, causing problems with my balance. I was told to expect a letter within 10 business days. Again, this occurred several months ago and I wasnt informed that money would be taken out of my account.

3. There was a {$1400.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18, I was not informed of this withdrawal. 

4. There was a {$43.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18. I was not informed of this withdrawal. 

6. There was a {$86.00} withdrawal by Wells Fargo, ATM reversal. No explanation given for this shift. 

I have been the victim of fraud and abuse and Wells Fargo is upholding the fraud and causing unbearable financial distress to its own longtime customer. Their practices are not fair and a customer should be noticed and given an opportunity to address their rights in a timely manner. In each one of these instances, several months have elapsed, essentially voiding my opportunity to dispute. Further, my evidence has not been taken into consideration at all by Wells Fargo. I presented my dispute, in writing and by phone call. These deceptive practices must stop. In good faith, I spoke to 3 representatives at Wells Fargo, the last one was XXXX in the Claims Assistance Center. I was told, you lost and theres nothing that can be done. I told XXXX that I would escalate further and he told me to do what I needed to do. I have lost money, although I in good faith disputed products and services not received. I am still in receipt of my documentation in each of these matters. Wells Fargo should always contact the customer prior to withdrawing/charge-backs.