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

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 days past due is incorrect because the balance due on this account is {$0.00}. 
Collection account from XXXX XXXX  with account # XXXX and a balance of {$6800.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXXXXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, I request that all accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which address the removal of fraudulent accounts and unauthorized access to credit information. 
Please ensure that the following accounts are blocked and deleted from my credit report immediately : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, On XX/XX/2020 I got a message from credit karma about my report being updated. However when i went to look at my score points dropped due to inaccurate information. They are saying I asked them to run my credit? I am unfamiliar with this company and never authorized them to do so. This is reporting on my transunion, XXXX and XXXX. All I know is I have no idea who these people are and didn't do anything with my credit today which is XX/XX/2020. Nothing was authorized by me.
Product: Credit card or prepaid card

Capital One has refused to acknowledge any payment I have made since the month of XX/XX/XXXX,  and has continuously placed late payments on my credit profile regardless of the balance of any payment arrangement that has been offered. I have contacted the presidents office on more than one occasion, only to be ignored. My account has not been reviewed, nor reported accurately, and when I call in to speak to someone I am given a new reason why another late payment has been reported. There have been errors in customer account handling ad well as credit reporting on my account, which at this point has caused me to seek legal council. I was called in XX/XX/XXXX and told the account would be looked into, to only receive a generic letter stating there were no errors made which was a lie. 
A payment was made on XX/XX/XXXX in the amount of {$100.00} via a customer service representative. I was provided with the confirmation # XXXX. I continued to check my bank account to ensure the funds were removed, but by XX/XX/XXXX, the funds were still there. I contacted Capital One to see what happened with the payment as I had not received any communication from Capital One or my bank ( XXXX XXXX  ) regarding the payment. After a lengthy call with a Capital One supervisor as well as my bank on a 3-way call we arrived at the conclusion the bank had made an error. I immediately paid the {$100.00} again ( confirmation # XXXX ), yet I still received a non-payment placed on my credit profile for the month of XX/XX/XXXX. I made another payment of {$39.00} on XX/XX/XXXX ( confirmation # XXXX ) yet I recieved a non- payment placed on my credit profile for the month of XX/XX/XXXX as well. I am making every effort to effectively communicate as well as pay yet my efforts have been ignored.
Product: Credit card or prepaid card

I missed my XXXX XXXX payment due to COVID19 I have been out of work for the month XXXX. I called today XX/XX/XXXX and after a 2 hour wait I spoke with someone I was transferred 3 times and finally got an answer that they can not help me until my account is current. I told them and how do you expect me to pay whrn I am unemployed? 
I was told they could defer the late charges for 3 months then full amount is due ... But if I brought my account current they had other options available but they could not tell me what they are. 
How is this helping people I have always paid on time I am unable to pay now because loss of work due to COVID.
Product: Debt collection

I settled a credit card debt with XXXX XXXX  in XX/XX/2022. In XXXXXXXX XXXX XXXX Portfolio Recovery illegally contact the 3 Credit Bureaus claiming that I owed XXXX XXXX. Portfolio Recovery posted a collection in the amount of {$940.00}. 
I assumed the debt was legitimate since it was posted by the 3 credit bureaus. After closely looking at the last payment of {$150.00} to Portfolio Recovery, I realized that I'd been scammed. If Portfolio Recovery does not send back my money. I will escalate this grievance to higher authorities. I have attached the money order I sent to XXXX XXXX  in XXXX XXXX XXXX which settled the credit card debt.
Product: Credit reporting

In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent letters to XXXX  and equifax about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXXthese negative items are stopping me from getting a home and car, plus added XXXX  causing me to go to the doctor more for medication
Product: Debt collection

I arrived to USA two years ago following the American dream and the reunification with my mother and my fianc. 
Months after my arrival my fianc got pregnant and having no place to live together we decide to search for a place to so. The rents were so expensive that my salary and lack of credit history at that moment was not enough to cover all the expenses and we thought it could be better to invest in a property. 
With the help of my uncle we subscribed to all existing governmental institutions as XXXX but purchasing through this institution was not possible since every time we found something according to our necessities and resource the bid was not sufficient. After expending months trying to purchase this way and having no luck I decided to purchase through the XXXX a foreclosure property. 
My uncle requested a home line of credit over his already full paid house, {$150000.00}. Finally with that money I was able to make the purchase for a XXXX home on XXXX XXXX. The house was in pretty bad conditions and needed a lot of fixing which I did my self with help from my family and friends at a cost of around {$50000.00}. 
On XXXX this year I tried to pay my property taxes and to my surprise they were already paid so I contact the payee and requested an explanation. They never came back to me with an answer but instead a few months after I received a visit from an individual advising me that the house would be foreclosed in a few days. I never received a notice or citation. My address and information was register at the county since I obtained a title certificate signed by the court. 
To my surprise I purchased a second loan. If the house was on the market for sale for few years and no one purchased why the first lender did waited for the second mortgage to foreclose. I would agree if there was a lien on the property for other matters but for a mortgage? 
I look at it as a bank scam. I have lived on the premises for a year and a half and after that time and after my claims to the property taxes payee is when the other lender wants to claim. 
Now the bank wants me to pay {$200000.00}. The house is not even worth that amount and if you add the {$200000.00} I already invested the total would have bought me a brand new home. 
The new constructions in the county could be only afforded by reach people then what is it left for the medium class families? 
I would like you to understand that I 'm not an investor that I purchased because my family needed a place to live. I do n't want to lose the house. I own my uncle {$150000.00}, that there are not affordable rents or constructions. That all is left are pure foreclosures and now I should pay for it {$400000.00}. I 'm a young person working and studding at the same time so as my fianc and doing our best to raise our daughter.
Product: Credit reporting or other personal consumer reports

Freedom Mortgage filed a 120 day late payment on XX/XX/12. 

I was in a forbearance that went on far beyond XX/XX/12 through an extension. 

I called freedom mortgage about this late payment filed on my credit report and they falsely stated they never filed this late payment on my credit score.

I can not rectify this mistake because freedom mortgage keeps denying they have made this claim against my credit score. 

I was in forbearance and this late payment is a false report that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$3500.00}, {$3200.00}, {$11000.00}, {$15000.00}, {$18000.00}, {$0.00}, {$10000.00}, {$3400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

We signed paperwork for this loan on XX/XX/22. This loan is to pay for solar installed by XXXX XXXX XXXX. Goodleap fully funded the loan XX/XX/22. Since then no work on our project has been done. We have solar panels installed but they are not working. I have tried for three weeks to work on resolution with Goodleap, but they rarely answer calls, have not been answering emails, and only called me to let me know that I need to be making payments. The goods and services for which I signed the loan paperwork HAVE NOT BEEN PROVIDED. The project was abandoned by XXXX XXXX XXXX. There is a lien on my house from XXXX XXXX because XXXX XXXX XXXX did not pay them for solar equipment received. Can provide all evidence of attempts to talk with and resolve the problem with both XXXX XXXX XXXX and Goodleap.
Product: Student loan

XX/XX/2021, i was contacted by Fed Loan Servicing to start a payment plan on my student loan account. I was ordered to pay XXXX to enroll in the XXXX XXXX program. I checked my student account to see if any payments were made, and there's yet to be any made. I see that they are taking XXXX a month out of my account as well. I was told by a student loan processor that i should NOT have to pay money out of my pocket in order to be eligible for this program. Making me believe i have been scammed by cornerstone. I would appreciate it if you guys took a look into this. And I'm hoping i can get reimbursed for the XXXX and also help applying for a new legit student loan advisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit borough reporting information from a third-party agency that is not accurate and would not provide accurate information to me about the item such as my Social Security date of birth and address and how is it being reported refuse to give me information
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.
Product: Credit card or prepaid card

i purchased patio doors From XXXX XXXX. They Were Installed By XXXX XXXX. They Had To meet building Code Requirements For XXXX Florida. On Two Separate Inspections they DID-NOT. ( I Paid for these Back In XX/XX/2019. ) My Payment Was Paid To Bank Of America For the Install.They Took My {$6500.00} For The Improperly Installed Doors. I Disputed The Payment Because They Failed Properly Installed For The Building Requirements For XXXX Florida. As Of today XX/XX/2019 They Are Not Installed Properly. They Don't Pass Code. I told the Bank, Bank Of America I wanted a dispute about {$5500.00} Payment. 
I was given One. and then Notified i Had to Pay the Balance Of {$6500.00} For The doors. I told the Bank I will not pay The {$6500.00} Until XXXX XXXX   Brings The doors Up to Code For My Location. I Believe I'm Protected From Further Payment Of these Doors Until XXXX XXXX Makes good on the Proper Install and Meeting Code For XXXX Florida. I Supplied The Bank All The Necessary Papers They asked Me For to Dispute The Charge Of {$6500.00}. ( Even The Dates Of The Building Inspection By The XXXX Building Dept ) They Are Asking Me ( Bank Of America ) To Pay For Doors That Were Installed By XXXX XXXX that DO-NOT Meet Building Codes For safe Installation For My Location. I Told The Bank, When They Are Installed Properly And Meet The Code Requirements For Florida, I Will Pay The Balance In Full. Thank You.
Product: Checking or savings account

On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A Clearly states that's I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer agency can not furnish an account without my written permissions.

15 U.S.C 16666B A Creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several of laws under the Fair Credit Reporting Act.
Product: Mortgage

My complaint number XXXX was closed without giving me an opportunity to dispute Wells Fargo 's incorrect claim that my loan was not paid off until XX/XX/XXXX. Attached please find receipts that prove this claim to be false. Wells Fargo withdrew funds from my XXXX Account on XX/XX/XXXX despite the fact that this loan was paid in full on XX/XX/XXXX. The poor communication and patronizing attitude from Wells Fargo -- not to mention their delay in refunding my money -- is unprofessional and unfair to consumers.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Checking or savings account

I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.
Product: Checking or savings account

I applied for a personal loan from a company and I was unaware it was a fraudulant company. Money was taken out was deposited to my account than taken back out of my account. My account was frozen and after stopping by the bank personally to figure out why my account was frozen they advised me the loan was fraud and that they were charging me XXXX XXXX and closing my account. I have been with good standing with my bank and never had issues. I was never notified of any fraud activity.