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

On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion XXXX, disputing inaccurate reporting of bankruptcy on my credit report. 
XXXX See attached letter ). 
The letter was signed by a representative of their company on XXXX/XXXX/XXXX. 
At the 30 day mark, which was on XXXX/XXXX/XXXX, I did not receive any correspondence, nor had any changes made to my credit report. 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, again regarding the inaccuracy of their reporting and notifying them of their violation of Federal Law, by not replying to my initial request in a timely manner. The letter was signed for by a representative of their company on XXXX/XXXX/XXXX. 
( See attached letter ). 
On XXXX/XXXX/XXXX, which is well over the the 30 days allowed to complete an investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), TransUnion XXXX sent a letter stating that the results of the investigation was " information updated. '' Again, NO changes were made to my credit report, i.e. ; removal of the inaccurate information or that there was a dispute note added to the listing on my credit report. 
On XXXX/XXXX/XXXX, I sent a letter to XXXX XXXX, a third party vendor reporting agency, disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion, XXXX, along with a letter from The United States Bankruptcy Court,  XXXX XXXX XXXX Pennsylvania, stating that they do not have any relationship, nor provide credit reporting agencies with any information. 
XXXX See attached letters XXXX. 
On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received letters from TransUnion XXXX, stating that the results of the investigation was " verified as accurate. '' On XXXX/XXXX/XXXX XXXX XXXX responded to my initial letter dated on XXXX/XXXX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
XXXX See attached letter ) I am filing this complaint today in order to have TransUnion XXXX, remove this inaccuracy from my credit report. 
They violated federal law by not responding to my initial complaint within 30 days, as well as ignored a letter from The United States Bankruptcy Court stating that they do not provide information to credit reporting agencies. 
The letter from XXXX XXXX CLEARLY states that bankruptcy information has been deleted from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter saying that the XXXX XXXX XXXX I account in my credit report was verified but didnt get how it was verified. accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Equifax are required to promptly DELETE all information which can not be verified. 

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

Hired XXXX firm on XX/XX/XXXX of 2020, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX  and transunion. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Product: Debt collection

I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.
Product: Debt collection

Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that you have the legal right to collect on it. 
Please provide me with the following information : 1. The full name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company. 
5. A detailed payment history, showing any payments or adjustments made to the debt.

Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.
Product: Debt collection

I had a credit card with Costco /Citibank once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX XXXX. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to Citi I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX  all accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on co

nsumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper
procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Checking or savings account

We deposited checks into our savings account ( USAA ) but when the issuing bank ( XXXX ) erroneously decided to reject the checks, USAA gave us a {$20.00} fee as well as a deposit limit for XXXX  months. What happened was the check signer had a slightly different signature from the one on file, but it was all cleared up and XXXX said we could redeposit the checks with no problem. After speaking to numerous customer service agents and even the CEOs office at USAA about the issue, they decided that they didnt do anything wrong and their judgement stands. But because of the arbitrary deposit limit, we could not deposit the checks, forcing us to open a new account with another bank. This has caused us much anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

i paid for a course training and a XXXX guy scammed me using cash app one for {$600.00} and the other for {$100.00} in XXXX i would like my money back XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XX/XX/XXXX {$600.00}
Product: Mortgage

XXXX has unfair practices in the additional payment and attempted removal of PMI. The current value of my home has increased. I simply want to stop paying for PMI. The value of my home and the amount I owe on my mortgage is well under the 80 % value deemed by XXXX to have a PMI payment. I have attempted multiple times to get PMI removed from my monthly payment. Each attempt was met with a different reason for why XXXX would not remove the PMI payment. I have never missed a mortgage payment and my credit score is excellent. XXXX refuses to accept the current value of my home as a reason to analyze and remove PMI. XXXX refuses to accept a 3rd party appraisal for the current value of my home. XXXX will not look at the value of similar sold homes in my area as comparable. XXXX will not accept the taxable value of my home as established by XXXX XXXX that I live in as a source for establishing value.
Product: Debt collection

I have a family of XXXX children and a wife. They range from XXXX old to XXXX  month. Wells Fargo is Garnishing {$210.00} per paycheck which will put me under the poverty line if they can lower the garnishment that would help me and my family live.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has put a charge off amount for {$350.00} dollars on my credit report They said it was a charge of from XXXX XXXX XXXX  from XXXX. I never had a acct with XXXX  XXXX ever since XXXX. That acct was opened fraudulently. I ask them to provide 4 things 1 # The original contract from the original creditor with a wet signature 2 # The original creditor information 3 # A copy of all transaction from the original creditor 4 # A sign letter of permission from myself to the creditor to release and or sale my information to a XXXX party
Product: Credit reporting, credit repair services, or other personal consumer reports

It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the RI XXXX XXXX, and FTC and to RI XXXX XXXX XXXXXXXX. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, RI XXXX XXXX XXXX acknowledged the issue. 

Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem. 

In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken. 

At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach Propser Bank and also impossible to reach XXXX XXXXXXXX XXXX never mind get any cooperation from either bank, nor XXXX. 

I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a recent late payment action that has been reported on my account and reflected on my credit report. There has been an error, and I would like to thoroughly review my account to fix this situation. 

Date of Late Payment : XX/XX/XXXX Reference : Extension Tax Assessed {$57.00} Date of last contact Honda Financial XX/XX/XXXX I have been a diligent and responsible customer of Honda for over three years. Throughout this time, I have consistently maintained timely payments on my account. However, it has recently come to my attention that a late fee has been recorded on my account and subsequently reported to the credit bureaus. 
Upon thorough review of my records, I am confident that there has been no legitimate reason for a late payment to have occurred. I have not received any prior notices or communication indicating any outstanding payments or issues with my account ; my account was on autopay for over 3 years, and I never missed one payment. Even when speaking to Honda representatives over the phone and applying for a lease extension, I was not notified that the extra tax charge on the lease needed to be paid separately. Furthermore, I have diligently maintained a record of timely payments, as my account was on autopay for the entirety of my association with Honda Financial.
Product: Mortgage

Wells Fargo foreclosed on my home in XXXX  They ignored my requests for assistance and repayment for late payments due to child support being illegally withheld by a parent. I lost my home and had to move with my XXXX children the week of XXXX to a rental and lost all equity in my home and my credit is still destroyed 7 years later. I just received a check from Wells Fargo for {$200.00} with a note that said they made an error when my loan was reconsidered for payment assistance. My mortgage account number was XXXX. While the process was occurring they refused to accept any payment at all towards my loan because they said I was delinquent. {$200.00} will not cover the expense of moving, the trauma to my family, the damage to my credit, the 7 years of income renting a home for my family with no equity to show, and the equity I had in my home. I would like to be compensated in the settlement as the documents and court records show against Wells Fargo. I have been employed full time as a teacher for 21 years and worked part time in addition to that as well. I had the income to cover the expenses, but Wells Fargo refused to work with me and in the end did not even respond to any correspondence or phone calls.
Product: Money transfer, virtual currency, or money service

Below is a summary of the response I sent to PayPal 's Claims Appeal Team : I understand what you are saying about the denial of the personal payment and nothing can be done due to PayPal 's policy around personal payments not being protected -- However, I want it on record that I adamantly disagree with this stance from PayPal and there should be protections in place to protect consumers that are victims of theft and/or scammed. 

Excluding the personal payment denials with accompanying email address, I do not understand the denial reason of " personal payment '' for the following as these were not in my network or in previous transaction history since opening my account with PayPal : Please explain why I am not protected from these charges and provide feedback on the questions below : Why would the following unauthorized charges not be protected by PayPal? 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, it appears that the PayPal Cash Card ( Debit ) exceeded the daily spending and withdrawal limits set by PayPal - Did PayPal allow these limits to be exceeded? 

If so, why would that happen? Historically, I tried to use my card years ago when I needed to exceed the limit due to an emergency and Paypal denied my request to exceed the daily limit for a day, yet in this scenario that negatively impacted me it was allowed to process. Based on this situation it would appear that PayPal policies are only followed when it benefits PayPal and not when it would protect it's customers.
Product: Debt collection

More than twice I have contacted Credence and asked they verify the debt and also provide me with the process, and contact information validating my debt. I let them know during this time I had a lot of fraud with my SS # and credit being used. I requested documentation bearing my signature showing where I have agreed to ever pay Credence or the other company they are collecting for. Upon my requests I get the same stall tactic letter in response. " We have investigated and verified the debt is is valid and belong to you ''. Never have they sent me the process, or who validated this debt. They also were requested by the big 3 credit companies to do the same and XXXX XXXX nor XXXX XXXX were able to provide the validation the law states they must provide. I have been requesting this data since XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report.
Product: Debt collection

I sent a certificated letter XX/XX/2019 to All-State Credit Bureau XXXX Inc informing them that a debt on my credit report did not belong to me. Im addition, I ask them to provide me with the documentation that was used to verify this debt or remove the debt from my credit report. However, I received insufficient documentation dated for XX/XX/2019. They sent a lease agreement with someone else signature.