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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What else should I say? Again, this situation is making me sick! Transunion and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this fraudulent account affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. Also, I have sent my FTC report to them but still, nothing has changed. I have reached out to the furnisher and they agreed to delete the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. They became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Confirmation or Investigation. I am an identity theft victim and I want you to do your part and DELETE the account that caused me so much stress. 

XXXX XXXX XXXX
Product: Checking or savings account

I ordered XXXX embroidered sweaters from a company called XXXX XXXX. The items arrived and they were not at all as described, not embroidered and not at all the quality advertised. 

The company did not respond to a request to refund. 

I filed a dispute with credit karma and they closed the dispute without ever giving me a chance to provide evidence.
Product: Credit reporting or other personal consumer reports

Have not been provided with supporting documentation for this inaccurate information. I keep being ignored and am filing legal action due to your non-compliance.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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

Collector was informed that I can not receive phone calls at work. Continues to call my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I will have to AGAIN go back & research exact dates- so just now giving an estimate of time frames. Capital One has FAILED to post my payments to my credit account & made at least 3 errors in regard to that.Approx. in XX/XX/2022, I noticed that money orders sent were NOT posted to my account. I had sent from memory the full amount due to pay off the existing balance & allowed for some interest on this {$500.00} balance account of which I had for about 7 years.Never being over the limit & always paying on time by money orders.I have my receipts & have paid extra prior to even getting the monthly statements because I wanted a XXXX balance.Now I will have to dig thru my papers AGAIN. One payment was for {$370.00} & I believe another one for about {$40.00} of so- will have to look-I contacted Capital one & spent much time on this & gave the money order receipt number & the person stated he would investigate. This money order had been cashed earlier. Then on XX/XX/2022, the {$370.00} plus {$1.00} in interest was applied to my account.My Father was buried in XXXX & my XXXX on XXXX XXXX so I did not have the time to check on the smaller money order. On my next statement on XXXX I sent in $ XXXXThen a few days I checked to see the balance as I wanted to pay it in full & the recorder stated that I was over-the- limit by {$260.00}. I immediately contacted Capital One AGAIN & found out that they had pulled the {$370.00} on XXXX, & caused this situation with NO NOTICE AT ALL TO ME & now DEMANDING payment from me & a balance of {$760.00} immediately.I am so mad l & upset about this & stated for them to close this account & correct this asap. I am writing them a letter today with receipt copies enclosed & cutting up this card & NEVER want to do business with them again.Please assist me in getting my payments applied & they should give me compensation for their 3 time errors & especially during this sad time of my XXXX XXXX XXXX life. Thank you.
Product: Bank account or service

To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX XXXX in assets.
Product: Debt collection

My collection from LVNV Funding has been paid off by check in XXXX of XXXX  by check from XXXX XXXX XXXX and it still account as an collection
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Debt collection

Hello, I made the full payment of {$220.00} with XXXX and closed the account but the debt collector company " CREDENCE RESOURCE MANAGE '' kept on reporting this with XXXX XXXX. I filed the dispute with XXXX but they refused to resolve the dispute. I have asked the debt collector company to provide me with the current unpaid balance from XXXX XXXX. I'm not getting any response from them. I need this in writings from them. 

Thank you XXXX
Product: Payday loan, title loan, or personal loan

I was offered a {$1500.00}. Loan from Mobiloans that I accepted, however, a month before the entire loan was to be paid off. Mobiloans placed an additional {$500.00} on my account in XX/XX/2019 that I did not request. 

The {$500.00} made the loan to be {$2000.00}. Nonetheless, when I declined the additional {$500.00} and submitted a letter informing them that I did not request or need any more money, they placed it on my account anyways and therefore, this was without my permission. 

I have called the company several times and communicated with someone in customer services and I was informed that they had received my letters of complaint and someone was looking into it. Recently, I did a credit check and found out, Mobiloan place a mark on my credit report, stating that I owe them. 

They owe me with the high percentages rates and over charging for a few dollars. I paid the {$1500.00}. Owed to them, and I should not have a mark on my credit from this company. 

I did not or needed any more money, but they put it on my account as if I requested it and was debiting money from my account that I do not owe and now this company has made my credit bad. I want this company to resolve this issue and fix my credit report that they destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX I WAS NEVER HAS LATE PAYMENTS
Product: Debt collection

The Merchant XXXX XXXX and XXXX XXXX, according to the debt collecter, Portfolio Recover Associates, LLC, sold them the debt. I never received a bill from The XXXX XXXX or XXXX. When I asked the debt collector what it was I bought, they could not provide that information. When I asked them to provide my signatures on the CC slip, they could not provide that either. The representative told me that I set up the account without knowing it. What really hurt me is that the debt shows bad on my credit report. Therefore, they probably have my social security #. I know they at least have the last XXXX. They have called my house also to try to collect the debt.
Product: Credit card

CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.
Product: Vehicle loan or lease

I have sent documents and instrument to the company and trustee. The company is not in compliance nor adhering to 12 U.S. Code 5390 - Powers and duties of the Corporation. I demand notice of claim of interest and for them to apply to the principal account to set-off and balance the book. XXXX XXXX or XXXX XXXX are the trustees and have fiduciary relationship and are responsible to process the instrument as instructed. The company has not reached out to the trustee about the matter to be resolved. Compliance department is only being trained as such and have no clue when it comes to the indentured agreement. Even the attorney for the company may not be specialized and have not read the indentured agreement file with SEC. The trustees are the ones to handle the matter. I requested that they communicate with the trustees since they are also part of the finance company and operations. Ignorance of the law excuses no one. The indentured agreement is there and should be understood and adhere too. The company is only in compliance to what they were trained to opposed and not look into the matter. The legal department is also blind to the law to when it comes to the indentured agreement that explicitly states about the note I am receiving disguised as a bill. I also sent billing error to be updated and corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, NY XXXX XXXX XXXX Bank XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$530.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : XXXX XXXX XXXX  XXXX XXXX note that XXXX XXXX XXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o XXXX ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
Product: Mortgage

I applied to refinance my house middle of XXXX via a known broker in the area ( XXXX XXXX XXXX XXXX ). After shopping for the best option, they recommended to go with Sprout Mortgage. The application was approved around end of XXXX and final clearance met with all conditions removed ( ready to close by XX/XX/XXXX ). This is when the problems started.

Sprout Mortgage has completed stopped communicating back with my broker and me. They are no updates on when I will be closing on the approved application. We spent hours going through this process and after 2 months of pain-staking efforts, providing countless documents and meeting all conditions, the lender has completely gone silent. Can you please help?? Thank you.

NMLS Info for Sprout Mortgage # XXXX Sprout CA DBO License # XXXX
Product: Credit reporting or other personal consumer reports

As Defined by the IRS : XXXX IRS considers a charge-off to be income ; XXXX, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report is not accurate. By the IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to XXXX XXXX XXXX XXXX, Santander, XXXX a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 

** XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately.
Product: Credit reporting or other personal consumer reports

It is a data breach and I need all the outstanding and charges off my account cause they aren't mine
Product: Credit reporting or other personal consumer reports

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

I have a loan with XXXX XXXX and WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX and WFDS with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I disputed this XXXX XXXX XXXX XXXXXXXX personal account ( {$6000.00} ) with Experian on XX/XX/year> I provided ftc report as well as formal dispute letter. this account does not belong to me and Experian has still chosen to report this information on my credit report. Under fcra 1681 a proper investigation must occur. Not just creditor saying the account belongs to me. 
I Demand this account be removed from my report immediately! 


In the context of the Fair Credit Reporting Act ( FCRA ), a " proper investigation '' means a thorough and reasonable examination of disputed information on a consumer 's credit report by the furnisher of that information, to determine if the information is accurate and should be modified or deleted if found inaccurate ; essentially, it requires the company providing the information to actively review relevant evidence to verify its accuracy when a consumer disputes it.
Product: Checking or savings account

I have direct deposit and during covid was using extra help from XXXX apps and other quick pay apps and when my direct deposit hit my account ahows more than 7 charges of {$34.00} each on nsf fees called to have them reversed since I have direct deposit to cover the charge and they told me I have reached the maximum nsf reversals this is not fair I receive social security and an income from part time caregiving job to my elderly mom please help me Im always negative because thr nsf fees are too many and can not keep this way I have place not to authorize any transactions when account doesnt have enough and still negative
Product: Debt collection

I have a fraud collection debt with a company that claims I owe an amount of {$1600.00}. Its says it's from XXXX XXXX   XXXX which I have never been acquaintance with.
Product: Checking or savings account

COMPANY REFUSED TO OPEN CHECKING ACCOUNT. 
I PROVIDED ALL DOCUMENTS AND MY SOCIAL SECURITY NUMBER AND SUPPORT DOCUMENTS. PLEASE OPEN ACCOUNT. 
SEE ATTACHED.
Product: Debt collection

They consistently trying to call my place of work several times day. I can not except external calls on my phone especially from a bill collector. I have informed my boss about the calls since she sees my phone reports. This is embarrassing to me and the calls need to stop.
Product: Credit reporting or other personal consumer reports

Going back thru 2021 my personal information was stolen from our storage unit, also a vehicle was stolen from the property with personal information, this person was caught and later released from jail, however he tried to purchase many vehicles in my name now all credit bureaus refused to take off inquiries with is hurting me badly, there are over XXXX of them ... from all 3 bureaus I have provided lots of information they have asked for, police reports and case numbers..
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, XXXX, XXXX XXXX XXXX, and Capital One.