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

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 Delinquent is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
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 XXXXXXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. was previously deleted and returned for some reason. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00}. 
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 Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
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. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. This account is paid off and the lien has been satisfied. The account status and balance showing on my credit report is not correct. Please update the status and balance of this account on my credit report.
Product: Mortgage

I received a letter from the bank telling me they dont have insurance information for the property on XXXX of XXXX I talked to insurance agent and he notified me insurance was canceled for lock of payment I never received any warning from him or his insurance company I called to the phone number on that letter and I spoke to a Bank of America representative, she told me that I had 60 days from the date o the letter ( XX/XX/XXXX ) to buy a new insurance policy and presented to them and I will be charged just for the time the property didnt have insurance which I did By the end of XXXX I received a statement charging me extra XXXX for insurance they said bought for the property I called and I spoke with another Bank of America representative and I told her that I already have bought and they should have all the information from the new insurance company XXXX XXXX she told me that she going to make a report and the following month everything should go to normal but Im still having the problem and I have to pay Bank of America XXXX XXXX a year more until the end of the loan because I own them for 2 insurance pay they made and a scrow feeds The insurance the was bought for the property was called by the Bank and the Bank went behind my back and paid for the insurance I already bought from XXXX without letting me know anything now they want to pay for the 2 insurance even though they get reimbursed after they cancel the other insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX investigation results came back and says not specified not specified means Uncertain, indefinite.inaccurate undetailed So why is this still being reported on my account Please remove immediately because you are defaming my character Transunion you are suppose to be reporting 100 % accuarate information they told you that they could not specify so remove immediately This is about the Consumer investigation report XX/XX/2023 File number XXXX on transunion While going through the same, I came to know about a few inaccuracies. It is said that It is updated to Not specified and from my understands that Definitely means it should be removed because that means inaccurate, indefinite., not partial, uncertain and you should be reporting 100 % accurate information so please remove this from my report because this is defamation of character. 

According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
As a result, I was discriminated against a denied my right to extend credit. I also suffered emotional as well financial hardship .Therefore, your company is liable to 15 USC 1681o I hereby grant your company the opportunity to remedy this matter by doing the following things 1- Deletion from all consumer report
Product: Consumer Loan

In, XXXX, I had my XXXX XXXX XXXX repossessed. Wells Fargo Dealer Services let me know I was almost 2 months behind in payments.I had discovered that I had missed a payment in XXXX, when I was in XXXX XXXX, tending to my terminally ill father in law, who passed away in XXXX of XXXX. I was unaware of this until my car was repossessed. My husband immediately paid the {$1500.00}. which was due, withing a day, and the car was returned to us. After that, we continued to make our payments, until it was finally paid off in full in XXXX of XXXX. I do have the title in my possession. Recently I started to clean up my credit, in order to purchase a home. We recently found that this repossession was on my credit report, and also says {$10000.00} is still owed, which it is not. My husband called Wells Fargo, to get this taken off my credit, but was told that we couldnt, because my husband filed a bankruptcy. Creditor refuses to update trade line to show paid in full.. My husbands name is XXXX XXXX , and I am XXXX XXXX .
Product: Credit card

I had a corporate credit card with American Express through my former employer, XXXX XXXX XXXX. My card number was XXXX. I was retired from the company on XXXX XXXX, 2015. I turned my credit card in to the company account administrator on XXXX XXXX, 2015. I filed my final reconciliation with my company on XXXX XXXX, 2015. Unknown to me, on XXXX XXXX, 2015, someone charged XXXX X {$35.00} = {$350.00} to reinstate XXXX Points to my account. American Express says this was done " on line '' but AMEX can not identify who did it. I do not believe that I did this in any way, as the " reward points '' are only approximatekly XXXX miles and are certaily not worth {$350.00}. I had a phone conversation with AMEX on this topic on approximately XXXX XXXX and specifically told them I did not want to reinstate these points as they were not worth {$350.00}. I did NOT go on line after that and order this reinstatement, as I clearly understood it was not worth it. Someone at AMEX must have done it XXXX AMEX says they have no record of who did it XXXX. In any event, I do NOT want these miles to be reinstated, and I have been telling this to AMEX ever since I saw my latest bill around XXXX XXXX. I want a reversal of these charges. 
AMEX has told me twice they would reverse the charges ; most recently yesterday XXXX XXXX XXXX, 2015 XXXX by a customer service representative named " XXXX '' at extenstion XXXX. Then I am told they will not reverse the chrages because my account is closed, which makes no sense because they are still billing me for this - my account is closed in the sense that I ca n't make more purchases, but it is not closed in the sense that AMEX still is billing me for something I clearly do not want and they can not show that I ordered ( because I DID N'T order it!!!!! ). 
Please help he with this. AMEX has a complaint case number on this. It is XXXX. 
Thank you.
Product: Credit card

The credit card that payment processor venmo issues will allow their new client to run up the full amount of the credit card, but if a client tries to pay that balance in full before 6 months they withhold the payment for 15 days. they took the money out of my bank account on XX/XX/XXXX and will not be updating my available credit until XX/XX/XXXX. I dont understand how a credit card company is able to penalize their clients for wanting to pay off the balance in full to avoid interest. the name on my credit card is an exact match to the name & ssn on my bank account. so essentially if i use their card to capacity every month for the first 6 month ( because it has a cash back feature ) & pay it in full they can hold my money for 15 days. sounds highly unethical if not illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX I called TransUnion Credit Bureau about inquiries on my current report that are fraudulently reporting false information on my credit report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA XXXX ( XXXX U.S.C. XXXX ) and XXXX XXXX. XXXX. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX representative I spoke with basically told me there was nothing they can do about these inquiries.
Product: Debt or credit management

I applied to XXXXXXXX XXXX for services and it wasnt completed as promised by this provider.
Product: Credit card or prepaid card

At XXXX XXXX use a cash app card for {$420.00} the card was declined the money was in the account so the money was taken out no receipt was given and the purchase was message to me as completed this happened on XX/XX/XXXX XXXX XXXX XXXX XXXX check the register transaction history and realize no money has been taken on their end and there is no confirmation number given and no history of the transaction I was told to put in a request at Cash app cash app do not have any form of customer service that one can speak to or resolve any type of dispute
Product: Debt collection

Its a XXXX debt from XXXX that the collection company keeps renewing the dates on the collections and now have pushed it to XX/XX/XXXX2024 which is illegal in The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. they keep renewing and pushing the date out and continue to destroy my credit which is illegal in the state of Florida! I have contacted an attorney he has told me to publish this with CFPB as he knows Im a XXXX Veteran with a XXXX, so XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. Wells Fargo XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my XXXX report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

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

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont without my written instructions.
Product: Mortgage

Have tried since XXXX to call and write the servicer SLS Speicalized Loan Serving, for help and they just keep delaying and finallly said not able to grant the forbearance. They don't give a reason and since we have an FHA backed loan it is our understanding that they are required to grant a forbearance. We have tried for so long to comply with their requests but getting nowhere.
Product: Credit card or prepaid card

I am a XXXX  and due to the corona virus I will no longer be working for months. I currently support my wife who has XXXX XXXX and I called to ask for a lower interest rate to help us through these challenging times. I called USAA to request that my interest be lowered to have a more affordable payment. The operator said we wont due that. I said what are you doing to help people? He rudely said, Im working thats it. Im going to work. I said can I talk to your supervisor? 
Im not asking for a handout. Im responsible with my credit and Im asking for a lower interest rate for a year which is how long this will take to recover. I will no longer be using my cards. 

I have 2 credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Chase Finance is charging a {$10.00} " return payment '' fee for not being able to process an automatic paymentThis fee was assessed AFTER Chase had already been notified that my account had been closed and to cancel automatic payments. Chase had also already deposited checks I sent for paymentIt is clear that Chase is blatantly charging consumers fees for NO reason.
Product: Debt collection

I started receiving phone calls. Then I searched the phone numbers and this collection company turned up as the owner. I have sent a request for their surety bond agreement, and collection licence that I may report them to the state regulator. This is in breach of HIPAA laws. I have sent three letters asking to cease and desist with the phone calls, letters, and all communications. They are continuing to report it on my credit and that too must stop. It is a violation of the FCRA, the FDCPA, and my legal rights.
Product: Checking or savings account

So I do XXXX and I have the XXXX card which is payfare with XXXX XXXX, XXXX. 

Well yesterday I tried paying my phone and the payment got declined but I still got charged Today I've been trying to get in contact with whoever handles the XXXX card but they were no help most of the time they left me on hold and the last person just hanged up on me Cause of it now my phone is disconnected Seriously trying to get my money back
Product: Mortgage

When covid first started I did a forbearance due to being out of work due to school and daycare closures. After my forbearance ended, I was told by a freedom rep that there where covid programs available that would assist me in getting back on track. I submitted all my information so I could be considered for one of the programs. The first program was a partial claim, but it didn't lower the payment to one that I could afford. I was told that in order to be considered for the covid modification I had to decline the partial claim. Which is what I did. I was informed that I was approved for the modification, and I accepted due to the payment being what I could afford. I continue to call because after informing Freedom I accepted I still had not received my documents that needed to be notarized. I was instructed by a Freedom representative when my first payment would be do and in good faith, I made three payments of the sixth within the agreement. I continued to call and stay in contact with freedom letting them know I still hadn't received my paperwork. I was told it would be emailed only to later find out that paperwork could not be sent through email. After my continued efforts of calling trying to get this paperwork, I was told that it had been to long and they would have to go and work the numbers again. They came back with a payment maybe {$20.00} dollars cheaper than my original payment. I informed the rep that I was unable to make that payment and I would do the full borrowers application. I sent all paperwork requested multiple times. I received letters in the mail stated I was not complying which was NOT true. I would call in and speak with reps stating they clearly see the documents being received via email. Now I'm here receiving foreclosure notices and sales dates to my surprise because I have been in the modification process and keeping in contact on a weekly basis being told they are working on my modification. I have spoken to several reps and supervisors in the escalations department. Freedom mortgage has shown itself to be a crooked company out to get over on its customers. Trying to come back from covid has been hard on everyone and this company has made it worse. Withhold paperwork from a single mother just trying to provide for her family, you should be ashamed of yourself.
Product: Credit reporting or other personal consumer reports

Lexington law and XXXX XXXX were involved in a lawsuit with the consumer financial protection bureau over alleged violations of telemarketing sales rules and consumer financial protection act I am a victim involved in a class action lawsuit against Lexington Law. This company allegedly promised to repair my credit file while charging fees but failed to deliver any results. The services were provided years ago, during which time I moved, relocated, and changed jobs. I even attempted their services twice and referred friends to receive a discount. However, my credit was never repaired. Recently, I learned of a national XXXX  class action lawsuit against Lexington Law.
Product: Debt collection

Sent XXXX verification letters to the debt collection agency requesting verification of debt. The debt has not been verified and is being reported to the credit agencies.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased a round trip ticket to XXXX in the amount of {$840.00}. Due to the coronavirus and border closure, my flights were cancelled. When this happened, the DOT had already released their notice to airlines/third party travel agencies that all refunds due to coronavirus cancellations must be processed in full and in cash. I attempted to contact the merchant ( XXXX ) first with no avail. Since I couldnt get ahold of the merchant, I proceeded to contact capital one to file a dispute. The dispute came back denied, so I again tried to reach out to the merchant. This time, I did get a hold of the merchant, only for them to blatantly not comply with the DOT notice, and actually be suggested to file a dispute with my card and a complaint with the DOT. I did both. I filed a complaint with the DOT and proceeded to appeal my dispute denial. With this appeal, I equipped Capital One with all necessary information including : a letter, proof of flight cancellations, and the DOT notice. My appeal came back denied as well because, VISA did not see an updated policy for refunding cancelled tickets due to COVID-19 on XXXX. I am now stuck with my money held hostage, and no one willing to help me out.
Product: Debt collection

I paid off a debt from XXXX XXXX XXXX. XXXX XXXX is reporting the debt as paid off on my credit. XXXX XXXX Charged off the debt and sold the debt to XXXX XXXX. Selling this debt includes giving my name, ssn, addr, dob. to allow XXXX XXXX to extort money from me this is akin to ID Theft and violates FCRA FDCP statutes.
Product: Debt collection

I'm submitting this complaint in reference to AARGON COLLECTION AGENCY knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq