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

I mailed in a dispute letter to Transunion  Consumer Services, asking them to verify inaccuracies that are listed on my credit report. 

My initial dispute letter was mailed to Transunion on XX/XX/2020 by certified mail. The letter was received by Transunion on XX/XX/2020 at XXXX. ( Certified Mail tracking slip attached ) Tracking number : XXXX In the letter, I disputed 2 collection accounts and 1 charge off account. I received communication from Transunion regarding my dispute on XX/XX/2020 informing me that they have received my dispute and are currently investigating the inaccuracies and will let me know of the results of the investigation. As a result, one collection account was removed, but then the other disputed items were only verified as " accurate ''. In my dispute letter, I clearly stated that I need physical proof and documentation of the verification of these accounts, NOT just wording that " states '' the information is accurate. The results gave no clear indication or documentation of how these accounts were verified. They provided no information regarding who they talked to, what documentation/contracts they have in their file to prove my accountability for these accounts. All they sent me was an updated copy of my credit report. Very disappointing! 

Moving forward, on XX/XX/2020 I mailed another letter to Transunion by certified mail. Tracking number XXXX. Requesting information and proof on their methods of verification. The letter was received by Transunion on XX/XX/2020 at XXXX. In the letter I clearly stated a timeline of only 15 days to send me verifiable proof/documents of the accounts that were still in question from dispute # 1. 15 days has since passed and I have not received any correspondence back from Transunion nor any updates to my credit report. I am extremely disappointed in the dispute process by Transunion and I want this information off my credit report, before I pursure legal action.
Product: Money transfer, virtual currency, or money service

Claim number XXXX, XX/XX/XXXX at approximately XXXX XXXX  I sent {$11.00} from chime to XXXX XXXX I never received the money that I sent to myself I called and disputed the transaction on the 2nd and it was denied a few days later. I have opened the same claim multiple times and have been denied my refund for the monies I didnt received. According to Chime you can send money to any platform and it will be received to the individual but that is not the case.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by impersonator XXXX XXXX and fake XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BECU account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Self-Lender is NOT furnishing my payment history with XXXX or XXXX. I have tried to address this issue, but I am ignored from the company. Self-lender stated that they will report my credit-builder account activity to each major credit bureau : XXXX XXXX XXXX, and XXXX . Self-Lender have not furnished anything to the above credit bureaus to date.
Product: Debt collection

I wanted to alert you that the Debt Buyer, Pressler and Pressler LLP, continue to engage in practices that are forbidden per XXXX. My wife and I have had an on-going legal battle with them over a {$300.00} bill from an XXXX office. 
My wife and I were not married at the time and I fear that Pressler and Pressler bought this debt for pennies on the dollar and then moved forward with a lawsuit suspecting that a single mother would n't have the time, fortitude, or knowledge to fight back. 
Relevant but not central to this complaint is that my wife never actually owed the debt, it was a mixup with the health insurance companies at the time of her service. 

Pressler and Pressler has already levied over {$300.00} out of her account and we have an upcoming case in Superior Court. I have confidence that the court will see the proper path forward at that time, but I did want to let you know about these on-going practices. 

Attached is just some of the more recent harassing and antagonizing debt collection efforts. I believe Pressler bought this debt and pursued legal remedy based on a heuristic data-centric model, rather than an attorney that actually sat down and examined the case. This is in exact opposition of XXXX, specifically most of subsections in " Prohibiting Debt-Collection Litigation Activities Without a Reasonable Basis ''. 
Our current goal is not to seek federal relief but instead to alert the CFPB of Pressler and Pressler 's aggregious deflection of the Bureau 's previous finding. 
Please contact me if you need any supporting documentation or facts. 

Respectfully, XXXX XXXX RE : Pressler and Pressler , LLP XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I set up an online payment of {$1800.00} to be paid on XX/XX/2022. This online payment does not, never has, showed up on their bank site under scheduled payments. I have called, I have written, and they seem to not have a solution. They say they see the payment and tell me everything is alright but what if I want to modify the payment, or delete it, or whatever. I can't because it is not there. Worse yet, what if the payment does not go through even though they said it should? I got an email the day I set the payment up with a confirmation number, etc., but when looking online the scheduled payment section says there is no scheduled payment by me. It is a store card, XXXX & XXXX XXXX card thru Comenity Capital Bank. Is it illegal for a Bank to be this incompetent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraud on my Transunion report. There were several inquiries that were not performed by me. 
I filed identity theft report and sent it to Transunion with explanation letter, ID, and SSC copies. I received an automated letter stating that they are not going to investigate my case. 
I went ahead and sent another letter stating that this is me and there are all the documents stating that. However, the same automated letter was received. 
These people are not doing the job they are supposed to!
Product: Mortgage

I had a mortgage with XXXX XXXX that was subsequently sold to Caliber Loans. I was making my payment as scheduled to Caliber Loans when in XXXX I received a XXXX from XXXX XXXX stating that I owed taxes on XXXX! I was perplexed because after the sale XXXX XXXX did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to Caliber Loans without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by Caliber Loans. So apparently of the XXXX only XXXX was taxable. I contacted Caliber Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by XXXX XXXX? Was it being applied to my loan after the error had apparently been made? 

I was told by Caliber Loans to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! 

I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to Caliber Loans confirmations, and a copy of my check that was cashed by Caliber Loans.
Product: Debt collection

This account does not belong to me and should be removed from my credit report on XXXX as well as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX XXXX reduced my available credit by almost XXXX % without notice to me, and apparently based its determination on its unauthorized review of XXXX of XXXX credit reports, despite that all reports for me indicate, that as I have with PRV, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a XXXX  practice that I XXXX they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the XXXX XXXX  nature of its actions. When I spoke with the company today XXXX XXXX XXXX, they explained to me that they accessed XXXX of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid XXXX of my bill off. This is going to go down with the XXXX loans made for mortgages if it's allowed to continue. Notice.
Product: Debt collection

Equifax has been reporting inaccurate items on my credit report related to account items listed here : XXXX/XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX  XXXX I have requested on numerous occasions to remove this item and to provide the original documentation as to how they have verified this item and they have failed to do so. I also included an identity theft report related to this item and they are willfully in-compliant. 

Please have this items removed immediately
Product: Debt collection

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX XXXXXXXX KY XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

The mortgage was sent to a new processor. The original mortgage was with Ran Life. The new monthly mortgage also says Ran Life, but the amount of money due is double the payment plus {$520.00} late payment. I have called 3 times to have this corrected after received a letter stating this. No one will help, nor let me speak to a supervisor. I need them to get this corrected. They tell me to rip up the mortgage statement. I will not pay next month 's mortgage until this is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.
Product: Credit card or prepaid card

I always pay my bills on time. Last XX/XX/XXXX, my little-used Citigroup small business card sent me a new card and did not link it to my previous web page. I logged on like I normally did for two months and saw I had XXXX balance, not knowing that they were charging me late fees somewhere else. When I found out I immediately paid off the balance ( approx. {$100.00} ) for purchases and closed the account. I was assured that the account was closed and no further charges would accrue. I called back a week later ( XX/XX/XXXX ) and verified that the account was closed and there was XXXX balance. I then received a bill six months after I closed the account in XX/XX/XXXX saying I owed additional late fees and also an annual renewal fee. I called a third time and was told by the Citigroup phone representative that he could find no record of my supposed debt. I then got another bill in XX/XX/XXXX saying I now owed a total of {$250.00} in pure fees on a card I cut-up 7 months prior. This time ( 4th phone call waiting in the interminable phone tree ) I was told that indeed I owed {$250.00} that couldn't be discharged without total payment. I sent a complaint letter to Citigroup in XX/XX/XXXX ( copy attached ) and got back a copy of the {$250.00} bill and an 8-page Card Agreement document full of fine print. This kind of obfuscation and abuse by a massive company like Citigroup in order to squeeze unearned income from a small consumer is completely unacceptable.
Product: Credit reporting or other personal consumer reports

This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting.

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

Thank you for your time and attention to this matter.
Product: Debt collection

XX/2015 -    XXXX   XXXX    { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
Product: Checking or savings account

I visit the atm on XX/XX/22 to make an atm deposit I deposit XXXX in cash in all XXXX and the atm machine froze up and took my cash without crediting to my account, I called the customer service number to repoart accident the guy who I was speaking to was being rude I ask for a supervisor multiple times after filling claim I even ask for the claim number he never provided it & hung up on me and I was told when I visit branch my account was closed Atm address is XXXX XXXX XXXX XXXX, MD XXXX United States
Product: Credit reporting or other personal consumer reports

I was involved in several data breeches in the recent months including XXXX XXXX XXXX XXXX XXXX and had all of my personal information posted on the dark web. I have several hard inquiries that I did not authorize, have disputed them and they were not removed. The fraudulent inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.
Product: Debt collection

Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX, AZ because they wanted to purchase the truck back that I bought from them last year, XX/XX/XXXX. They made me initial a green piece of paper for them to do an estimate/inspection on my vehicle. After they inspected the vehicle they said they would only be able to do a trade in on a new purchase. I never gave them permission to run my credit report. I did look at the dealership at the available cars but I did not like anything. I was not there to purchase a new vehicle, I was there because they wanted to buy the truck back. I called them today XX/XX/XXXX and asked them to remove it and they would get back to me. The salesman called my husband later today ( XX/XX/XXXX ) in an effort to sell him a new truck. My husband brought out that they ran my credit without my consent and he replied that he was under the impression that I gave consent and signed a form to that effect. My husband asked him to send a copy of the form via email but they have yet to produce any signed consent form.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

onXX/XX/21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you