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

There were XXXX accounts sent by Transunion to XXXX XXXX XXXX in which is a collection company. 
The accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts were disputed numerous of times in the past with Transunion in which I was told that an investigation was done however when it was placed in collections the company XXXX XXXX XXXX did an investigation and labeled the accounts as fraudulent at that time they were sent back to Transunion with the exception of XXXX in which they still have and labeled fraud as it sits in their office. 
Under 15 US CODE 1681i LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I felt a proper and thorough investigation was never done. Under the FAIR CREDIT REPORTING ACT, I feel my rights as a consumer were violated and I want these accounts removed immediately from my credit file as it has caused extreme damage to my credit.
Product: Credit reporting or other personal consumer reports

There is a fraudulent car loan account on my credit file that does not belong to me. 
XXXX XXXX XXXX Balance details 11 % paid off - Balance {$23000.00} Balance updated XX/XX/XXXX  Original balance {$26000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XX/XX/XXXX Account Date : XX/XX/XXXX Account Name : XX/XX/XXXX Account Date : XX/XX/XXXX Account Name :XX/XX/XXXX XX/XX/XXXX Account Date : XX/XX/XXXX Account Name :XX/XX/XXXXXXXX Bankruptcy XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name XX/XX/XXXXAccount XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Additionally, I request the removal of all unauthorized inquires related to this identify theft : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a matter of great concern to me, particularly due to its potential impact on my credit standing. This derogatory mark has already led to the rejection of a recent loan application and has resulted in higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this negative rating has caused and will continue to cause until it is addressed.
Product: Debt collection

I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now. 

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse. 

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.
Product: Checking or savings account

Wells Fargo has repeatedly refused to cash CASHIERS CHECKS that are valid and payable to me IMMEDIATELY. I have to argue with them because cashiers checks are guaranteed funds but Im told by the teller that Wells Fargo has a permanent note in my account ( for no legal reason ) to not cash checks for me and to not give me cash This isnt even legal to do as the bank has never contacted me to tell me there is anything wrong with my account. The embarrassment and emotional distress it has caused is unlawful and unacceptable to be told in front of other patrons that they must put a hold on cashiers check funds? For what lawful reason?

Wells Fargo has been sued in the past for putting illegal holds on patrons funds in order for the bank to benefit financially and This HAS TO STOP.

Wells Fargo repeatedly breaks the law in order for financial gain done globally Im sure Im not the only customer it does this to, RICO charges need to be filed on this bank for Unlawful business practices that benefits the bank while harming its customers
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have contacted EdFinancial on XXXX to obtain a refund on student loan payments made during 2021 under the CARES act. I called a second time on XXXX to confirm and they confirmed that the request was submitted They did confirm that it is possible to obtain a refund, but cited a refund time of 150 business days ( approximately 7 months ). This is much longer than reports from borrowers using other loan servicers, some of who received refund timelines of 7-10 business days. This also could affect the current student loan forgiveness plan by the Biden administration in the event the refund is not processed before forgiveness goes into effect ( this is unclear, but sooner is better in this case ).
Product: Debt collection

I DO NOT OWE MIDLAND CREDIT MANAGEMENT. I HAVE RECIEVED ANY PAPERWORK OF A COURT ORDER PRORPERLY SERVED TO ME. I HAVE NO KNOWLEDGE OF ANY ACCOUNT WITH MIDLAND CREDIT MANAGEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$85.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/2020 I wrote to Specialized Loan Servicing ( Servicer ), the Bureau of Consumer Financial Protection, and the Federal Trade Commission, Equal Credit Opportunity to say that the escrow account reflects a fraudulent amount. The property 's insurer information is being withheld from true notation. Foremost Insurance is the insurance provider and Specialized Loan Servicing has been billing me every month since before XX/XX/2020 for Hazard and Fire Insurance in the amount of {$3100.00}. Cumulatively this amounts to a fee of {$1100.00} added to my monthly mortgage every month. This amount is more than 100 % of my standard monthly payment. When I requested an escrow analysis statement of said account I received on XX/XX/XXXX a letter from Specialized with the wrong property address. The entire document is thus invalid. I have since received nothing correcting the previous document. My recent call to the servicer was with a belligerent agent who would not access my previous records or analysis statements, nor was I allowed to request a call back with a supervisor before I was rudely rushed on the phone by being out on hold ; XXXX in XXXX, Arizona. Poor show.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital charged me an outrageous interest charge of {$60.00}!!! and to be honest i have no idea why. I have not used the card because at the moment i am jobless and have not been able to pay. Capital One already knows i am XXXX  because i have called before all my due dates and told that i have not been able to pay. They put me on a special finance program where i would not be charged late fees for 3 months and i thank them for that. But knowing how hard i am struggling, how could they charge me this outrageous fee for God knows what. When i had a job, i was making all my payments so its not like i am lying or a bad customer. this is ridiculous. They know that as soon as i am back up on my feet financially i will continue making payments. They even know the amount in my checkings account which is extremely low.
Product: Checking or savings account

On XX/XX/2022 there was an unauthorized {$9000.00} cash advance from our Wells Fargo credit card # XXXX XXXX XXXX XXXX to our Wells Fargo Checking account. On that same day an unauthorized wire transfer for {$14000.00} was made to XXXX XXXX for the benefit of XXXX XXXX XXXX XXXX leaving us with {$550.00} in our checking account. 
On XX/XX/2022 I noticed these unusual transactions and visited our local Wells Fargo XXXX XXXX XXXX. He called someone at Wells Fargo and was able to stop a wire transfer of {$8000.00} which was enabled by XXXX additional cash advances from XXXX Wells Fargo credit cards {$3000.00} from the credit card mentioned above and another Wells Fargo credit card # XXXX XXXX XXXX XXXX for {$4000.00}. 
We have received XXXX letters from Well Fargo dated XX/XX/2022 and XX/XX/2022 saying they are not responsible for our loss. In addition we appealed this decision to the XXXX branch of Well Fargo and we received a letter saying they are not responsible. 
In addition to the {$14000.00} loss Wells Fargo has charged us with a 5 % Cash withdrawal fee for the {$9000.00} + {$3000.00} + {$4000.00} amounting to {$800.00} and a {$30.00} wire transfer fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I have XXXXXXXX XXXX  these charges that are appearing where supposed to be giving to my XXXX, I have told my XXXX  office and they told me there isn't nothing for them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Credior May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge of them, and the company did them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our 2 family home is owned by 4 individuals with a Home Equity Loan of {$64000.00}. My wife and I owe {$20000.00} and my in-laws owe {$44000.00}. However the 3 credit bureaus report each of us owing {$64000.00}. This is not only misleading BUT inaccurate! When a bank, etc. 
checks our individual report it inaccurately appears as if we each owe {$64000.00}. Which in turn causes any of our individual applications to be denied. 
I have written to and filed disputes on the web sites of XXXX XXXX & Trans Union over the past years and HAVE NEVER RECEIVED A RPLY /EXPLANATION. 
I do not feel we are be treated fairly when a financial institution denies us, as individuals, because the 3 Credit Bureaus show us owing more than we do!!! 
Respectfully, XXXX XXXXXXXX XXXX  XXXX [ + other 3 owners, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2020, I contacted Creditors Collections in regards to a collection on my credit. I was asking questions about said debt and the lady, XXXX XXXX, was VERY rude. I asked if it was possible to get a receipt confirmation via fax, she said " Absolutley not, we never do that '' Okay, how about an email receipt? She said " That will take up to 36 hours '' I Said okay I '' m going to have to check with my advisor and see if that will be okay. ( I'm in the process of trying to buy a home so I needed proof of payment to this collector. ) I called back to pay the {$390.00} on the same day ( XXXX/XXXX/2020 ) I was put on hold for an extended amount of time, XXXX got on the phone with extremely poor customer service skills. Never asked me for my e-mail address and when I brought it up she said " It can take up to 72 hours for you '' .... at this point I told her she was being a XXXX and disconnected the call. I NEED PAYMENT CONFIRMATION ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX ACCT # XXXX Amounts : {$3500.00} / {$6000.00} Date Opened : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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