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

Did not do an investigation at all ... ... .TransUnion has repeatedly violated my rights .... FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS .... CFPB Complaint # XXXX & XXXX & XXXX Next step is hiring a lawyer My initial dispute was dated XX/XX/XXXX was a inquiry dispute! Disputing fraudulent inquiries in my name. -TransUnion REFUSED to do an INVESTIGATION which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed complaints with the CFPB ... ... TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4. The following inquiries are unauthorized and not initiated by me : Creditor : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : The XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX I started the inquiry process in XXXX of XXXX it is now almost XXXX of XXXX and they never started the investigation ... 

They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Credit reporting or other personal consumer reports

I opened a self account XXXX XXXX  and I was paying {$35.00} a month and I always pay them on time and never been late on my payments and never miss any payments too, so my XXXX XXXX went up to XXXX and now after I finished all my payments on time and I closed my account my XXXX XXXX went down to XXXX. I paid for it and it should not go down to XXXX it should stay at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that Credit Bureaus are not impeding records. Because regulation 605b of the FCRA requires it, I'm delivering this Complaint to assist in drawing out a legal response. If you choose not to impede the following items, which are responding incorrectly as a result of fraud. Here are the items that must be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$7200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX - XXXX XXXX Balance : {$660.00} ; XXXX XXXX CO # XXXX XXXX XXXX : {$780.00}.
Product: Debt collection

A debt in the amount of {$2300.00} has reflected on my credit. This debt is not mine, I have called several times to dispute the collection and no one has been able to even locate me in their system. He supposedly looked me up by name and phone number with no result, and when I asked him to search for me by social. It turns out they do not have my social at all, yet ACIMA is hitting my credit for this amount. This collection is causing a huge impact on my credit and I should not be having this issue, especially since this debt isn't even mine. Every time I call, I noticed I am getting the same person over and over. And when I ask for information or to speak to someone else, his response is " there is no one else I can speak to. '' While on the phone with him, he will completely cut you off, talk to you extremely rude and even laughed because I wouldn't stop insisting on more information. After speaking to this person, on XX/XX/2023 I decided to take matter into my own hands and make a police report regarding the issue. If this issue is not resolved, I will also be taking legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!
Product: Debt collection

When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX  to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people
Product: Mortgage

My daughter, XXXX XXXX XXXX is about to lose her home and, although I have tried over the past XXXX weeks, I can not get a stable and accurate reinstatement amount from the lender 's head office nor from XXXX of their many, " work at home '' associates, who parrot, " This case has been referred to an attorney ''. My daughter is XXXX  and has XXXX special needs adult children living with her. Her husband, XXXX XXXX XXXX died on XX/XX/XXXX. He was the XXXX XXXX XXXX  of the outfit and handled every detail of finance and living. Without him, she is clueless and has been taken advantage of at every turn. I knew nothing of her problems until about a month ago. After his death she told me she had plenty of money in the bank and that he left her a XXXX. Now she has nothing but an XXXX widow 's pension of {$1000.00} per month, and her son an XXXX XXXX payment of {$1000.00} per month. The current Select Portfolio Servicing, XXXX home payment is {$940.00} per month. Her son pays the car payment, which is {$400.00}, XXXX {$240.00}, water {$90.00}, electric {$100.00}. This leaves about {$240.00} for gas, food, etc. She simply can not make the payments on the house and live. Since she only owes about {$73000.00} on the home which is insured for around {$400000.00} ( and in my opinion worth more than that in her community 's location ), it seems logical to reduce her payments. That is, unless someone covets her property. One can not get the same information from any XXXX of the SPS associates. I received a letter dated XX/XX/XXXX which gave a total reinstatement amount of {$7200.00}, and a " reinstatement good to date : XXXX XXXX, XXXX ''. I sent the amount ( less the XXXX which I did not see ) to the correct address, certified XXXX. It was received XXXX XXXX. I received another letter dated XX/XX/XXXX which raised the reinstatement amount to {$7600.00}. A caveat at the bottom of the letter states, " This total may not be sufficient to cure the default. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called Equifax and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Product: Credit card or prepaid card

I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.
Product: Debt collection

This company has called me many times before XXXX XXXX. I recently called them on XXXX and they were rubbing in my face that I owe XXXX $ and saying at least I dont owe any debt, making me feel bad about myself and my financial situation. I was calling to make a settlement on this even though they have attempted to collect debt illegally many times. Im really sick of this company. They have sent so many letters to my old house even though I have told them to STOP. When I called them they also had a a voice changer on and it sounded like a COMPLETE robot and they refused to transfer me to someone so I could actually understand them. I have this on recording.
Product: Checking or savings account

I cashed a couple of third party checks via e-deposit at NFCU and one of the checks cleared however, the other two were returned as being duplicate checks when they were actually not at all. I was given substitute yellow checks in the mail but when I called NFCU to try and get compensated my money back they were no help and said there was nothing they could do. My account was debited for the amounts but I never received the money and now one account is closed and was overdrawn {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW XXXX AND TRANSUNION ALL BC OF XXXX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX XXXX AND TRANSUNION AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
Product: Checking or savings account

XXXX XXXX XXXX  claimed to consolidate my student loan and bring it down to 50% if I continued to be employed for a minimum of 5 years. XXXX would begin the process only after I paid the fee which included 2 installments of $XXXX and they would not accept any other form of payment other than my bank routing and checking numbers. Once they received the payments, they would contact my loan servicer, XXXX Student Loan Agency, and submit my repayment plan/contract. I paid them a total of $XXXX from XX/XX/XXXX to XX/XX/XXXX. After I continued to receive bills from XXXX I decided  to contact them and see why I was still behind on my payments. XXXX assured me that they do not interact with third party companies about student loans and if I needed a forbearance they would help me directly. I told XXXX that I had a contract/plan from XXXX to send them and that this company assured me they would contact XXXX to help with my student loan. XXXX apologized for the inconvenience and told me to contact my financial institution to let them know I had been a victim of fraud. I contacted Bank of America immediately and they returned the $XXXX but only to take it back a month later. I called Bank of America onXX/XX/XXXX and asked why they left my account negative and they said that XXXX forward them the contract where I gave them permission to take this money from my account.
Product: Checking or savings account

On XX/XX/2021 my XXXX year old mother 's {$600.00} stimulus check was deposited to the wrong account. Instead of being put into my mothers account it was deposited into my deceased father 's Veterans Pension account. 

My mother has NO connection to this account. Her name is not on it nor is her social security number associated with it. 

I contacted the bank. They acknowledge it is in the wrong account, but they will not put it in the correct account or return the funds to the IRS so my mother can receive her stimulus payment because my late father 's account is overdrawn. They are stealing my mother 's money trying to make up for the loss on an account my mother has no connection to!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with XXXX in arbitration over the matter. Despite this, XXXX has reported my account as delinquent.
Product: Checking or savings account

I continuously held in excess of {$25000.00} in KeyBank XXXX XXXX XXXX accounts through XXXX, XXXX, and XXXX. I have learned recently that they were offering 4 % interest rates on their XXXX XXXX XXXX XXXX XXXX accounts during that time. I was continually told that the highest interest for me was XXXX or .05 %. I was never made aware that higher interest rates were available for accounts in excess of {$25000.00}. I am now seeking recompense for those lost years of interest on my accounts.