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

Hello, I am making a complaint against TransUnion. I have been disputing an account on my credit report that is inaccurate and TransUnion has avoided giving me specific information I have asked for and in return they have failed to properly verify this account. I sent a letter on XX/XX/21 asking TransUnion to investigate an account for accuracy. On XX/XX/21 I was sent a letter stating that this account was verified. On XX/XX/21 I sent a letter stating that I did not agree with the investigation results and asked them to do a re-investigation and to provide the names and addresses of each person with whom they verified the information with, so that I could follow up. ( In which Im entitled to according to the FCRA ). On XX/XX/21 I was sent a response letter stating that the account was verified with no follow up information. On XX/XX/21, I sent a method of verification letter with specific questions asking how the account was verified. ( Again, which Im entitled to according to the FCRA ). On XX/XX/21 I received a response letter stating that the account was verified, with no follow up information to my questions. On XX/XX/21 I sent another method of verification letter asking the same questions. On XX/XX/21 I received a response letter stating that the account was verified, and again, with no follow up information from the questions that I had previously asked.
Product: Credit reporting or other personal consumer reports

Since having a mortgage with XXXX XXXX and also since recently seeking preapproval for a new mortgage through XXXX XXXX, I get harassed multiple times daily, with phone calls, text messages, and physical mailings from numerous mortgage companies. XXXX XXXX, or an entity XXXX XXXX has shared my information with, has breached my privacy and caused this harassment. I have contacted XXXX XXXX and they have offered no solutions to make the harassment stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for hearing my compliant for this is my second attempt to resolve this matter with TransUnion... .I am a senior citizen that lives on a fix income and for some reason this company has reported a account that i had never opened...... I have all satisfactory accounts on my credit reports...... I feel that i am being taken advantage of and also being discriminated as a XXXX american women ... .My next action will be take civil action for this can be very expensive for me but atleast i will have fair treatment ... ..Please help me because the other credit agency have resolve this matter in a timely matter...
Product: Credit reporting

I 've sent over XXXX different dispute letters to Experian, and while all the other Credit Bureaus have removed the items from my credit report, Experian refuses to even respond to my dispute letters ( which means every account I disputed should come off XXXX. On top of that, I 've called some of the accounts that are still reporting to Experian, and they told me that they 've already requested that Experian delete them ... But Experian does n't do it. 
Please be clear, I am not asking for Experian to now start the disputes on these accounts, I 'm requesting they be deleted, immediately. 
Accounts:1 ) XXXX XXXX - Paid before it went to collections - Deleted from XXXX XXXX2 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX3 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX4 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX5 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX
Product: Debt collection

I found several accounts on my latest credit report that I believe were added without my permission. Please remove these fraudulent accounts immediately.
Product: Credit reporting or other personal consumer reports

All XXXX XXXX XXXX XXXX XXXX, XXXX and Experian ) are fraudulently reporting illegal in accuracies. Per the FCRA, 16 CFR 313.7, Privacy Act of 1974, as federally protected consumer, I have opted out of any and all authorization, that I may have granted in written or unwritten, verbal or nonverbal for my accounts negatively and fraudulently continue to be reported. Per 15 U.S.C. 1681, U.S.C. 1681b & 1681e, 15 U.S.C. 6801-6802, and 15 U.S.C. 6803-6805. The attached IRS Forms 1099Cs which were sent by the companies ( see top of documents ) which should have been processed by the companies using the IRS Forms 1099 OID, Form 1096, and Form 1040-V. I would like to also mention the charge-offs are now considered certificates of indebtedness which means they are considered income and can not be reported as debts which they continue to be illegally reported as debts. 

It appears the CRA agencies are allowing the companies to continue to report for XXXX when in fact all accounts were resolved in XXXX. This is inaccurate, illegal reporting. 
REFERENCE 15 USC 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Product: Debt collection

ARCADIA RECOVERY reporting an erroneous collection to my credit report. My numerous attempts to contact them went ignored ... they have not answered any letters in the past 3 months and do NOT answer their phone after making me hold for 45-50 minutes at a time auto system directs me to leave a message and NOBODY CALLS ME BACK. I have disputed it with credit bureaus who came back stating " collection company validated the account so they can NOT remove it '' however when I request validation of this account I get NO ANSWER .... in a meantime this is damaging my credit rating ... this should not be legal to do ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letter to the credit bureaus- XXXX, XXXX and Transunion reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They never responded after several attempts of follow ups done. 

With that said, they were advised to investigate these accounts that I believe are inaccurate. That was MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the accounts from my credit report. I have given them more than enough time.
Product: Checking or savings account

What happened? 

On XX/XX/year>, an unauthorized transaction was made on my debit card for {$3100.00} at : Merchant Name XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CA Transaction Method : ( Conflicting information providedinitially told it was an online transaction, but later informed it was a card-inserted transaction. ) I noticed the fraudulent charge and immediately contacted Wells Fargo to dispute it. They reversed other similar transactions but wrongfully denied this one. 

I escalated the dispute, and after further review, I was again told the claim was closed. I then requested a higher-priority escalation. It has now been over XXXX business days, and I have received no response or resolution. 

Actions Taken : Contacted Wells Fargo as soon as I noticed the charge. 

Initially informed it was an online transaction, then later told it was a card-inserted transaction. 

Requested a formal dispute ; some transactions were reversed, but this one was denied. 

Visited a local branch for assistance ; they could not explain the discrepancy in how the transaction was classified. 

Escalated the claim for higher review, but no response has been received in over XXXX business days. 

Issue : Wells Fargo has failed to properly investigate this fraudulent charge despite my immediate reporting and multiple follow-ups. They have provided contradictory information about how the transaction was made and have not responded to my escalation request.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Product: Student loan

I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.
Product: Debt collection

This is the second time our account with XXXX XXXX XXXX has been placed with CMRE erroneously. The first time was because of them using an incorrect billing address that caused us to not receive the bill. 

This time we are receiving a debt collection notice dated XX/XX/2020 for an account that is on an active automatic payment plan in the XXXX XXXX XXXX system. In fact a {$40.00} payment for this payment plan was charged to our credit card on XX/XX/2020, and a good faith payment of {$5.00} to start the payment plan was charged to our credit card on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

Capital One is refusing to go to Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card agreement. 

They are refusing to pay the billing for Arbitration to XXXX  REGARDING THE TERMS AND CONDITIONS OF THE Card agreement.
Product: Credit card or prepaid card

I had a credit card with Home Depot,

in XX/XX/XXXX I refinanced my mortgage and all of my bills were paid in full. This was XX/XX/XXXX I called all of my credit card companies closed them all. I have been getting since XX/XX/XXXXbills fro

m Home Depot with late charges, and phone calls every day and bills once a month. I do not owe them {$110.00} for late charges. I think this is unfair, I have not been in a Home Depot since. Please help me
Product: Debt collection

I have 2 XXXX XXXX from the same XXXX entity, XXXX XXXX. The first one is for a XXXX XXXX XXXXXXXX they charged me for that is covered 100 % by my insurance. I received the XXXX XXXX in XX/XX/XXXX. Someone in their office miscoded it as just an injectable and not a XXXX XXXX XXXX so they are charging me {$140.00} when it should be 100 % covered. They are also trying to charge me for the office visit for that shot, which is also covered under the free birth control benefit I have. 

The second charge is for a {$25.00} office visit in XX/XX/XXXX that was actually just a phone call giving me the results of a scan I had. Not only are virtual/phone appointments free under my insurance plan, this also happened during COVID so I was forced to have a phone appointment because I was not allowed to go into their office. I have never heard of being charged to get told your test results. 

I have contacted the debt collector and it took him over 3 months to get a response to me and basically all he said is that the creditor says the debt is valid. There was ZERO research done into my insurance benefits and that these are covered items. They just simply said the amount is owed. I do not feel it is fair to have my credit effected over something I should have never been billed for in the first place. I have been trying to resolve one of these for almost 2 years now, and was ignored until it went into collections. Now the debt collector wont help me any further even though I can prove that I am not supposed to be charged for what they billed me for.
Product: Debt collection

They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with LVNV Funding LLC. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/2006 you owed {$1500.00} Between XX/XX/2006 and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
Product: Debt collection

XXXX Superior Court tasked the Franchise Tax Board Court to collect on a {$390.00} speeding ticket for an individual driving a XXXX XXXX  in XXXX XXXX in XXXX. I lived in Virginia from XXXX to XXXX and never once was I in California during that time. The offenders name was XXXX XXXX. My name is XXXX XXXX XXXX Franchise Tax Board Court falsified documents and changed the last name to match XXXX XXXX These documents were submitted to Navy Federal Credit Union and they improperly garnished my wages.
Product: Credit card

My Bank of America Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : " The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Bank of America passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : " Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.
Product: Credit reporting or other personal consumer reports

I'm writing to take a gander at my titanic concern concerning the attempted records recorded on my credit report. I have truly drawn these mistakes out from the shadows and have essentially on different events suggested an exhaustive evaluation. At any rate, paying little brain to what my expected endeavors, I very can't get any goal or restorative activity. 

These stirred up records are truly influencing my credit report and are essentially obliterating my capacity to have a standard presence. The confining consequence of these mistakes has caused XXXX  inconveniences for me, and I'm left with no decision near look for your nearby help with surveying what's happening. 

I thoughtfully demand that you lead an exhaustive evaluation concerning the choosing of these attempted records. It is key that the major advances are taken to restore and change my credit report immediately. With your assistance, I truly need to reestablish the precision and uprightness of my credit record, permitting me to recover command over my cash related achievement. 

I truly demand that you propose this matter your generally ludicrous idea and make a rapid move. Your joint exertion and moving in settling this issue rapidly would be enormously colossal. 

Much appreciation to you without a XXXX  thought for your appreciation and help.
Product: Credit card or prepaid card

Good afternoon, and I believe I was charged excessive late payment fees and denied cash back rewards. Also, my card has been inactive for about 2 years now and I am still paying a excessively high interest rate while paying off the balance. My payment history has been good overall with just a few incidents.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.