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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This pre-pay Brinks MasterCard arrived in my mail without me EVER signing up or requesting the card. They did not just send a sign up but the actual physical card! In addition all phone numbers only lead to an automated system so I cant file a complaint with the company nor can I identify how they got my information, what information they have and how they are using/selling it
Product: Debt collection

I reached out to the company in regards to the error in reporting to the debt and repeated phone calls but still the amount is reported incorrectly with the phone calls non stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, XXXX  and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX  or transunion doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 Late Payment With 2018 XXXX XXXX Account since Covid XXXX. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date
Product: Mortgage

The company in question is US Bank, our mortgage provider. 

We are attempting to remove our monthly MIP ( mortgage insurance premium ) from our bill. Per FHA and guidelines from US Bank, the following conditions must be met : 1 ) The loan must be 5 years old ( we closed on XX/XX/XXXX ) 2 ) The LTV ratio must be 78 % of original value. Per their own documentation ( attached ), we need our balance to be below {$180000.00}. Our current balance is {$180000.00}. 
3 ) We must have a good payment history ( we have zero missed or delinquent payments in our payment history ). 
4 ) We must submit a written request to remove the premium, which we have done and they have received. 

On XX/XX/XXXX we received a letter from them which spelled out all of the requirements ( see attached letter ), which we have now met. On XX/XX/XXXX, we made a large lump sum payment to bring our mortgage balance down to below the 78 % LTV ratio threshold. On XX/XX/XXXX, we sent a letter to the email address specified by US Bank as our written request for removal of the premium. This was confirmed to be an acceptable way to request removal of the premium. 

On XX/XX/XXXX, we called to check the status of our request, and a customer service representative for the bank told us that we were a " few hundred dollars off '' and would need to pay some more. Our balance and the letter show otherwise. I feel that we are being ripped off. We will continue to escalate with the bank, and, in addition to contacting the CFPB, we will be contacting our local representative, as I have heard this story too many times among friends of mine who have also attempted to remove MIP. We appreciate your time in reading this complaint, and hope to come to a resolution soon.
Product: Debt collection

I received a communication that around XX/XX/XXXX from Midland Credit Management that they were trying to collect a debt that the principal owes. I responded on XX/XX/XXXX via mail certified mail XXXX  XXXX. They responded with no purchase agreement and chain of assignments etc. They sent XXXX statements from " original creditor ''. I responded again XX/XX/XXXX cert XXXX  XXXX asking for those things and more, I have not heard from them since. I need them to stop thee tactics. This appears to be willful non-compliance. 

I will upload my XXXX letters
Product: Credit card or prepaid card

Hi there - I was assessed a {$160.00} interest charge on XX/XX/22. Per the card issuer, CapitalOne, this is due to the balance carried between XX/XX/22 and XX/XX/22 ( when the full balance was paid off ). Please note that I had been on a multi-month promotional XXXX XXXX interest that concluded on XX/XX/22. 

I had disputed this charge with CapitalOne because there I received no notification/warning, including in the ( XXXX ) statement, that one must pay down the balance in full by XX/XX/22 to avoid incurring interest. Instead, the statement 's only key date provided was XX/XX/22, the " Payment Due Date ''. While I should understand the terms in full and track the promotional period, CapitalOne bears responsibility for keeping consumers aware of potential upcoming fees, which would involve a simple notification at the top of their billing statement. CapitalOne reviewed my case and said there's nothing they could do on my behalf. 

With the proliferation of XXXX XXXX interest offers, it almost appears as though card companies are banking on consumers missing the program end date and/or misinterpreting the terms so they can charge interest. This practice, while legal, should be frowned upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

See report and delete account and fraudulent unauthorized inquiries
Product: Debt collection

This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
XXXX XXXX  XXXX
Product: Debt collection

I was contacted by both my Mother and my wife today stating that they received calls from a company named XXXX about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in XXXX They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
Product: Credit reporting or other personal consumer reports

Under 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 XXXX  : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX, Has violated my rights.15 USC 1681 section 602a States I have privacy rights. 
15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than XXXX  years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 
15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Product: Mortgage

I reached out on XX/XX/24 after my HELOC was transferred to Shellpoint from SLS. My online portal was showing a monthly payment due that was {$350.00} more than it should have been. I had already made 11 payments on the loan with my previous servicer that were calculated correctly. I was told a ticket was put in a would take 3-5 days. I received no response and have reached out several more times both through customer service and the online portal and still nobody has fixed the issue. They refuse to look and correct the monthly amount due calcuation which is objectively wrong based on my loan document which they have, my prior statements from the past servicer, and a simple calculation given all the loan terms that their own portal confirms. I am getting strung along and they keep " opening tickets '' but I am not being allowed to speak to anyone but Customer Service who can't fix anything. My last payment, sent to the previous loan servicer, was applied fully to the principal in error ( this is proven by looking at my principal balance from the XXXX statement and the current principal balance displayed, and also because my current payoff quote is still calculating interest back through XXXX even though I made my monthly XXXX payment. 

I have a payment due soon and I refuse to pay an inflated amount simply because they made an error and will not change the amount to match my SIGNED LOAN CONTRACT. This is illegal.
Product: Debt collection

I am victim of identity theft and as a result a fraudulent account was opened up with Capital one as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Transunion credit report called XXXX XXXXXXXX XXXX  XXXX XX/XX/22. I have never applied for a Mortgage loan ... .EVER!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued Equifax for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.
Product: Debt collection

I am a 100 % rated XXXX XXXX XXXX Veteran and Caine & Weiner are attempting to collect a debt that I do not owe them, and it is causing undue stress and financial strain. I believe an account that misstates a debt owed to XXXX in the amount of {$340.00}, was purchased by Caine & Weiner and illegally reported to the credit reporting agencies as a collections. The debt in question is from the creditor XXXX who illegally sold my debt to Caine & Weiner who are now illegally attempting to collect a debt I do not owe them. According to 12 CFR 1006, 1006.34 Notice for validation of debts, Caine & Weiner must provide proof that this debt is valid by producing a hand signed copy of my consent from Progressive, that is supposed to show that I gave Progressive my expressed written permission to sell a debt they say I owe them. And under 12 CFR 1006, of the Fair Collections Practices Act, 1006.38 Disputes and requests for original-creditor information, it is my right as a consumer to dispute this erroneous reporting of this collections to the credit reporting agencies. So per 12 CFR 1006, 1006.38, all reporting of this collections on my consumer credit reports must cease until Caine & Weiner can provide the signed consent with my written signature from Progressive, stating I consented to any debt they state I owe them would be sold to a collections company. If they can not furnish this signed consent from XXXX, this collections must be permanently removed from my credit profile with XXXX, XXXX, and XXXX if they want to avoid the filing of a civil suit for damages the filing of this collections on my consumer credit reports have already caused me.
Product: Credit card

I'm currently going through a financial hardship I have covid and my debts have been handed over to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to XXXX asking this credit bureau to take a look at an account on my credit profile ( LVNV Fundung LLC. with an open balance of {$900.00} ). In which I disputed as inaccurate. XXXX sends me the consumer a notice that this account meets FCRA requirements. Which governs access to consumer credit reports and PROMOTES ACCURACY, fairness and the privacy of personal information. 

I received notice on XX/XX/XXXX that the information LVNV Funding LLC, Filed a complaint listing me as the defendant on XX/XX/XXXX. 
I filed a for more information or the Validity of this alleged debt on XX/XX/XXXX. 
LVNV did not file an answer or respond to the motion in the request for the information in which I asked. INSTEAD the company ordered the court to DISMISS the case on XX/XX/XXXX. 

XXXX XXXX Canceled/Vacated on XX/XX/XXXX. 

It is now XX/XX/XXXX and this alleged debt is STILL on my consumer credit profile that LVNV continues to report to the consumer reporting agencies violating my rights as a consumer by reporting inaccurate information that is being harmful to my reputation. This case has been dismissed by the Plaintiff LVNV with no regards to documents requests, in the validity of this alleged debt. This account should no longer be reported on my consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes to credit bureau on my complaints of all the incorrect and false information and I never received the results to my disputes. They all received my disputes and I have the certified mail tracking number as well as the dates and time the letters were received. 

Transunion tracking : XXXX XXXX XXXX XXXX XXXX received XX/XX/20 at XXXX
Product: Student loan

KEY 2 RECOVERY INC Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Balance {$5200.00} Original creditor INDIANA XXXX UNIVERSITY Reached out to company to get debt cleared as I dropped out of college and later that day they added this debt to my name the same day I dropped out. Never went to any classes. This is not my debt as I never attended and dropped out
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself ). I disputed it on XXXX Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company, XXXX, and told customer service that the charge on that account was fraudulent ( XXXX charge for XXXX ), so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services, I have contacted them directly spoke with XXXX XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX XXXX XXXX. I have disputed this many times as well as to credit bureau. XXXX XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with XXXX XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXXXXXX XXXX XXXX XXXX - I have no clue what this account is and it was written off as bad debt. I have tried to contact the XXXX number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. Judge ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the XXXX number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, experian and XXXX for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Product: Credit reporting or other personal consumer reports

This is my second dispute this company is horrible and violating my rights this is horrible their inaccurate info is hurting my score and my investments. on XXXX after my first round dispute they deleted the account they seen the inaccuracies and updated it I demand this company do the same l have the screen shot of the original inaccuracies when it first happened just delete this account under the fair reporting act 15 USC 1681 Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates. 15 USC 16811 ( 7 ) - Method of Verification ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred In paragraph ( 6 ) ( BXlil ) by not later than 15 days after receiving a request from the consumer for that description. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to In subparagraph ( A ) - ( i ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( Ili ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the Information shall be provided to the consumer by the agency, including the business name and address of any furnisher of Information contacted in connection with such information and the telephone number of such furnisher, If reasonably available ; please delete account. Subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to account name XXXX XXXX  account number XXXX
Product: Debt collection

Called XXXX XXXX XXXX XXXX  day after day at my place of employment even when told to stop.