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

I have been sending transunion credit disputes via certified mail from 3 months ago and to this date they fail to let me know of ongoing investigation measures, notify me of the results of my disputes or even process them. I am completely fed up I have been dealing with them for 3 MONTHS! I am trying to go for a home loan and transunion has all this inaccurate information and information due to identity theft that doesn't belong to me and they fail to answer my concerns or reach out and get back to me. The certified mail letters haven't came back I've reached out countless times and I just had enough. This is my last straw reaching out to the CFPB to have Transunion take care of the inquiries which don't belong to me and deliquent/derogatory accounts due to identity theft with FTC Documents attached. I will attach all following paperwork sent to transunion at the bottom of this message in case they try and attempt to say they haven't received anything even though I sent verified mail and I hope to finally get a response and my dispute results as it has been over 90 days. Transunion better fix this because if not I am going to pursue legal action to the furthest extent I am tired of this.
Product: Credit card

I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both Experian and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I opened a mortgage with Midland Mortgage on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with Midland Mortgage on XX/XX/XXXX. Midland Mortgage kept the same account number but removed my name. Midland Mortgage reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. XXXX  however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with XXXX  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to XXXX not receiving a response from Midland Mortgage. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On XXXX  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with XXXX  on XX/XX/XXXX. I can't get ahold of a person at Midland Mortgage to talk to them. The only thing I can do is make an automated payment when I call customer service for Midland Mortgage. When I call XXXX   customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for XXXX is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the account.
Product: Debt collection

Why didnt he was stolen? A very long time ago and Im saying that I co signed for a car I never did that at all. I would like every thing delete off my credit. Please help I tried everything to get this this off a XXXX bill popped up on a XXXX XXXXXXXX card that was close for XXXX something dollars within mine.
Product: Debt collection

XX/XX/2020 Collector called while I was at work. I tried to comply and come up with a payment plan. The woman suggested a low of which I am unable to pay and she said they only offer payments as a courtesy and they dont HAVE to accept payments. I said it was a show of good faith and that it could be withdrawn automatically from my account every pay ( bi-weekly ) and she refused to accept it. She threatened me with additional court costs and fees and I said then I will file for bankruptcy and she hung up.
Product: Credit reporting or other personal consumer reports

My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} DEPT OF ED/AIDVANTAGE Balance {$4000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$6100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7400.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$140.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$830.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3900.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5900.00} Balance updated XX/XX/year> 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction
Product: Money transfer, virtual currency, or money service

I had reported to them about my money and they never returned it. And close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi There was a fraud account that was removed from my credit because of fraud and the fraudsters even went to prison but XXXX XXXX and Equifax are refusing to remove and I have made several attempts to doing this myself. This account need to be gone immediately. This is a breach of contact as well of the hippa law! Under the 15 u.s.c S1681i ( 7 ) method of verification as well as blocking of fraud use 1681 15 c ( b )!
Product: Credit card or prepaid card

Hi, on or about XX/XX/XXXX I got a solicitation to open a XXXX XXXX credit card issued by Chase, and got approved, shortly there after Chase begun harassing and disturbing the ability to use it. Although have communicated in good faith, there is not good faith on their part, and several calls were either disconnected or the put in hold indefinitely, calls for supervisors or managers were not returned. 

Have filed the following, Sent XX/XX/XXXX XXXX XXXX  To Chase Card Services Subject Account inquiry ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I tried using the credit card in two different stores and was declined, then online at the electric utility and was declined again, can you explain? Tnx XXXX begins, ends XXXX Thereafter they resolved some of their issues till XX/XX/XXXX, were they blocked with no reason, attempts to reach them were met by a angry customer service agent in XXXX who asks to much personal information irrelevant to the matter. She refused to identify herself but said to record, asked for a full social security, there is no need, its enough the last four digits, asked for checking account account information, its really irrelevant, finally the same agent has called from a toll free number and from a XXXX country i believe XXXX, ironically the same agent-voice needs a gift card or XXXX  card to unblock the account, clearly Chase 's employees in XXXX or elsewhere conspired with their friends to defraud. 

The following communication was not replied by Chase of yet neither. 

The account was blocked as of yet for any transaction. 

ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account inquiry ATTACHMENTSIZE:0 I made a charge today and was declined, chase did not send a message or email to inquiry. 

Later I got a call from XXXX, a female with non US accent saying she is with Chase to discuss a denied charge. She had children voices and dogs in the background, I asked her for her id and why she had the voices and sound, she said that I can call number in back of the card, I asked to speak to someone in the USA who can identify as a Chase employee as well, and she hanged up.
Product: Credit card or prepaid card

I was sent a Milestone Master Card that I did not apply for Then I received a bill for that card. That card was disposed of when I received it. Now the company won't close the fraudulent account or cancel the amount owed. They said I had to file a complaint first.
Product: Checking or savings account

so recently my XXXX account was compromised and a payment was made on my debit card that was linked to my XXXX  the amount was {$110.00} and since the account has already been closed I was unable to get my money back from XXXX themselves. So I filed the dispute that was on my debit card and was hoping that ill be able to receive my credit within XXXX days instead of waiting XXXX business days
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$41000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I am the victim of ID theft and have submitted a police report to transunion. Under Georgia law, I am to receive free credit freeze with temporary lifts ; however, transunion is attempting to bill me for these services.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Monterey Financial Svcs, XXXX has attempted to collect an alleged debt for XXXX XXXX XXXX XXXX. This stems I assume from a contract signed in XXXXXXXX XXXX XXXX XXXXXXXX for access to reduced rates while booking vacations with various companies. XXXX XXXX was paid $ XXXX for the service and included a yearly fee. We had another contract with XXXX XXXX which Monterey Financial attempted to collect was setteled by XXXX, in XXXX XXXX. The main reason for the settlement was, we pointed out to XXXX XXXX, the signatures were forged and the contract was null and void in XXXX for violation of numerous XXXX Consumer Financial Laws, especially XXXX XXXX! >>>Rights can not be waived and the company waived our rights. 
This contract was null and void based on the same Laws of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX the contract must include a rescission as required by Law. This Contract does not have any rescission clause. The contract also has numerous violations of these Laws and the Official XXXX Standard XXXX XXXX. The Contract is null and void under various statutes XXXX XXXX, Adhesion Contracts, XXXX XXXX Quarter which renders it null and void due to omissions and inclusions. If necessary I can cite numerous articles from these Laws. 
We requested Monterey Fin provide a contract and they have refused. They have reported debt collection on all credit bureaus in the USA. We request immediate retraction of thse reports.
Product: Mortgage

XXXX XXXX XXXX was servicing my mortgage load for Loancare. In XX/XX/2020 I had an escrow overage of {$200.00}. Loancare sent me a check for the overage. I deposited the check into my checking account. 13 MONTHS LATER, Loancare put a stop payment on the check. 13 MONTHS LATER with zero explanation! Zero! No letter, email, call, NOTHING! I have since refinanced and am with a different mortgage company. While XXXX was servicing my loan, they were not distributing my payments correctly and I had to file a complaint with you. 
This company is shady at best. 
I work hard for my money. I believe they are thieves! 
There needs to be an investigation. 
I want a new check for {$200.00}. 
Unacceptable!
Product: Mortgage

United wholesale mortgage is calling me repeatedly after I have asked to be removed from their list. they also claimed they received my information because " I was not getting the best help with my current broker '' which is an absolute lie. They hung up on me when I attempted to be transferred to make a complaint to their management. This has all happened on XX/XX/year>. I have received over XXXX calls from mortgage companies today after having my credit pulled for a new mortgage. This is completely insane.
Product: Credit reporting or other personal consumer reports

I reviewed a my credit report and noticed fraudulent accounts
Product: Payday loan, title loan, or personal loan

On XX/XX/22, I received XXXX as a loan from this company, Upgrade.com. It was deposited directly to my XXXX XXXX bank account. On XX/XX/22, I made my first monthly payment of XXXX via autopay, and then made that same monthly payment in XXXX, XXXX, and XXXX. 

On XX/XX/22, I paid the loan off in full on their site. I have attached a screenshot that shows the payoff page, which includes the payoff amount of XXXX, the payoff date of XX/XX/22, and the form of payment, which was my bank account ( the same account into which they deposited the loan, and from which every payment had been automatically drafted ). I have also attached a screenshot of the confirmation I received immediately after I clicked " Continue. '' It clearly says at the top, " Payoff Scheduled, '' which is followed by a green checkmark and the words, " Congratulations! We've sent a confirmation ... '' I monitored my bank account daily to make sure they withdrew the funds, but as of XX/XX/22 -- three business days after I and they scheduled the payment -- the funds had not been drafted. I called them on XX/XX/22 to inquire about it and to make sure there wasn't a problem. After I gave the man every detail of why I was calling, he put me on hold to look up my account, then came back and said it showed a zero balance. I asked why the money was still showing in my bank account and he said the process can take up to 10 business days. I asked him whether I had anything to worry about, and he assured me that I did not. 

On XX/XX/22, I received an email notifying me of an upcoming payment -- the same monthly payment I had been making. So I immediately signed into Upgrade.com and pulled up my account. It still showed the loan as not paid, plus additional interest accrued. I immediately contacted them to rectify the situation, and even sent them the screenshots that prove the payoff was scheduled. However, even in the face of that incontrovertible proof -- the screenshot from their website that says " Payoff Scheduled '' -- they have continued to respond that I didn't schedule a payoff. Now, in order to pay off the loan, they are demanding that I pay an amount that includes the interest they have charged since XXXX, which as of this writing is an additional XXXX, and growing daily. As can be seen in the screenshots I have attached of their email response, they are lying about the nature of the confirmation I received from them -- confirmation that is clearly labelled " Payoff scheduled '' -- and then they proceed to tell me to go through the exact same process I went through on XXXX to pay off the loan. 

I have clearly demonstrated through the screenshots that I did everything required to pay off my loan in full, and that I have acted in good faith every step of the way. Upgrade is trying to defraud me and has refused to resolve this issue. If they are doing this to me in this manner, they are likely doing this as a systematic matter of course to other unsuspecting customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX and transunion since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer 2 months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Product: Debt collection

Dear Barclays, I am writing to bring to your attention the violations of consumer laws and codes that I have experienced with my credit card account. Despite being unable to work due to medical issues, I have been subjected to exorbitant interest rates on my closed credit card account, causing me undue financial hardship. 

As a consumer, I have the right to be protected from predatory lending practices and to receive fair treatment from my credit card issuer. However, your actions have been in violation of these rights and have caused me significant stress and financial difficulty.