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

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$8600.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX Balance XXXX {$8600.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$20000.00}.
Product: Credit reporting or other personal consumer reports

In my previous complaint to the Consumer Financial Protection Bureau ( CFPB ), I expressed concern regarding Transunion 's inaccurate reporting of the following account : XXXX I have requested several times in my previous complaints to the CFPB that Transunion verify this account through physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I believe that it is my right according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ). Instead of Transunion providing me with that requested documentation upon their investigation results, I received a letter that states " the disputed item was verified as accurate, '' without providing the documentation that I requested as consumer. 

Since Transunion has updated this account by adding additional information, they should also have documentation that proves this account belongs to me. I have been requesting this information for several months now. If Transunion can not provide me with a physical verification I DEMAND that this account be removed from my credit file. I have no knowledge of XXXX and have a right to see any and all information that associates me with this account. Transunion is in total violation as they are not providing me, the consumer with information I have a right to obtain. 

I am also attaching a copy of of my drivers license, social security card and proof of address ( voter registration )
Product: Checking or savings account

At the beginning of XXXX I received an HSA account through my employer, that was managed by XXXX XXXX. When the account was opened, the employer covered all service charges on the account. In XXXX of XXXX, the account was switched over to a personal/retail account, meaning it was a private account for me. 

When the account switched over to a retail account, XXXX XXXX chose electronic monthly statements for my account. So I never received any monthly statement from the company and then started charging a $ 3 monthly service fee. I did not choose to have electronic statements. I never authorized XXXX XXXX to use electronic statements for the account. I never set up an online banking profile with them. The company never had an email address for me on file until XX/XX/XXXX. I was not provided information about my account and XXXX XXXX continued to withdraw a monthly service fee for 4 years until they sent me a letter in the mail that said my account was inactive and any funds inside of it would be forfeited as unclaimed property unless I contacted them. 

When I received the letter, I sent the request back to have my account activated and to get my money out of their account. When I wanted to take my money out of the account I learned that they had been taking out this service fee for almost 4 years without sending any type of monthly statements to me or notifying me that they had placed the account into an inactive status. But they continued to withdraw the service fee. XXXX XXXX hid the money in my account so that they could continue to withdraw a service fee, without my knowledge, and line their pockets. When the company actually sent me a paper copy regarding the account, I was able to act on it.
Product: Credit reporting or other personal consumer reports

I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the account.
Product: Debt collection

Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.
Product: Credit card or prepaid card

On XX/XX/20, I called Discover and asked for the second time that my payments be paid towards my higher interest balance. I have two balances on the card one with 0 % interest. They said I had no choice in how my payments are allocated. I want my entire payment to go towards my higher interest balance NOT the 0 % interest balance.
Product: Debt collection

I have had a so called debt with XXXX XXXX for over two years now. I returned their equipment, which they can't seem to locate. 
I then asked XXXX for a itemized bill showing what I owe them. After repeated calls a lot of wasted time they never provided me a detailed itemized bill. I am sure the company has a record of the many calls into them to resolve this issue. I gave up on resolving this issue, but I refuse to pay for something I don't owe. 
Now, the " so-called '' debt has been added to my credit report by a collection agency ( ERC ) ERC sent me a letter after I submitted a dispute to the Credit reporting agencies. Basically, ERC is telling me they can not find any evidence or specific facts to support my dispute. Which of course they ( ERC ) wouldn't since XXXX can't even provide me with any facts to support their claim. I am sick and tired of dealing with this and it's becoming a form of harassment. Please help. Thank you
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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX All has clearly 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: Credit card

I opened a credit card with Regions Bank and they created a balance transfer of {$3600.00} in XXXX from my XXXX XXXX card. I called when the balance transfer did not show up and the agent said she didn't see the transfer so she would just do another one. It was for {$3600.00}. 

Not long after that I noticed I now owed {$7300.00}!! I was also charged XXXX balance transfer fees. Since XXXX, Regions has been telling me they will reverse the charges and fix their error. 

I called back shortly after XXXX and an agent told me they never opened a ticket to reverse the issue. I am STILL waiting for these charges to come off of my account and to be refunded the additional balance transfer fee. I am being told I must pay double the payment or I will get late charges! 

This issue has dropped my XXXX XXXX almost XXXX points but I am being denied the right to fix it. Regions has not only charged me double and erroneous charges but has also destroyed my credit and ability to apply for loans elsewhere. 

I have called over the last few months so many times and spent so many hours trying to fix the issue that I have lost count. Regions has all the notes on this issue but STILL will not fix it. I was told it should have been reversed by the end of the week XX/XX/XXXX or so, yet here I am again. 

I don't understand how this can be acceptable to do for a customer and they will not allow me to speak to anyone higher up from the regular number for customer service. I tried emailing XXXX of the top managers at Regions I found online and that still did not work. 

PLEASE help me repair the credit and get these charges reversed since they will not help. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX  Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXXXX/XX/XXXXChanges.XXXXpdf Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
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 XXXX XXXX XXXX. 

Account : XXXX XXXX  XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 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: Checking or savings account

On XX/XX/ my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores I lost XXXX and a lot of fraudulent unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told by Wells Fargo the money would be returned to my account in 10 days. Wells Fargo refuse to help me get my funds back. They sent me a They sent me a new debit card. Thats the only action that was took. Wells Fargo close and denied my claim XXXX XXXX. Im writing to you again because I am crying for help. please! Help me! XXXX is a large amount of money to me! I make {$10.00} an hour and I can't afford to lose this much! 
Please refund the money that was stolen from my account. You can contact me at XXXX XXXX
Product: Mortgage

Complaint Overview : Not only did you promise an interest rate of 3.25 % instead of 3.75 %. You were late sending the necessary documents & so I was left with late payments. 

Detail : I disappointed how they managed my proposed FHA re-finance. they stated numerous times, I wouldn't pay in XXXX and XXXX, because of refinancing, just to find out I got a bill on XX/XX/XXXX for both XXXX and XXXX. Not only that but after speaking with your end numerous times to, XXXX XXXX, he kept advising me that my interest rate would be lowered to 3.25 % ( compared to 3.75 % ). Paperwork that needed to be signed on time never came in time which resulted in a late payment fee. Of course when I find out about these fees and an XXXX bill, there was nobody to speak with because they the documents which notary public brought me was on Friday evening and all documents were inaccurate ( wrong Rate and closing cost ) and NOBODY! During this time, I tried to reached out to them in numerous methods. Phone calls, emails. Nothing worked! so signing fell in Monday XXXX.and it was already to late. 

So here during a Pandemic, I was left with broken promises. A promise that I was going to have an interest of 3.25 % vs. 3.75 %, closing cost of less than than {$2000.00} a promise that I wouldn't have to pay XXXX mortgage but they broke every promised they had made. Ridiculous! The biggest hit of all, I can't refinance again, because FHA streamline require at least 6 months of good payments. Rates are lower than ever, but I am stuck, since Village Capital & Investments, messed up!
Product: Debt collection

I did not consent to, benefit from or authorize any of the following Account : TD BankTarget- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My consumer rights were violated according to the FCRA. 

15 USC 1681 ( d ) ( 2 ) ( B ) - The consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly, by the issuer of a credit card or similar device.

15USC 1681b ( a ) ( 3 ) states that Consumers have the right to not share private medical information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding TRANSUNION to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Debt collection

They keep saying there reviewing it I have called three times it is still in review.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting

To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Checking or savings account

Sometime over a decade ago I co opened a bank account with my younger brother thru M & T Bank. He was the primary and he had the only debit card/checks, I never used this account. Apparently in 2017 the acct was closed sometime prior to that there was over draft charges of {$240.00} and change. My brother still has a separate active M & T account that he uses. Fast forward to XXXX weeks ago, I run a speech therapy clinic and needed to be added onto the business bank acct thru M & T, I was flagged that I could not be added due to this past due balance for a account I never used. I was never notified of the acct closure, of the past due balance, or any issue with the acct via mail, email, or phone. When I questioned the bank they could not provide me with any information reg the charges, the date of charges, and if they attempted to notify me or how. They also could not provide me information as to why my brother 's active acct was not charged for this outstanding balanced. Further more this is not on my credit report ANYWHERE so until I attempted to open a new bank acct for my business I would never have known this existed, which is infuriating. This could have affected me getting a mortage in a year or two or opening any additional savings or checking accts with my husband etc. I had to pay this balance WHICH WAS NOT MINE because No one would help me or even give me accurate detailed information. This is unacceptable. There should have been a direct commmunication attempt and if they are claiming I am responsible for this debt I should be able to have access to what this debt is actually for and the dates of origin etc.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to lead a normal life. 
The negative impact of these inaccuracies has caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 
It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file, so I may regain control over my financial well-being. 
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 
Thank you in advance for your understanding and assistance.