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

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days  late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage since XX/XX/XXXX initially with XXXX  XXXX XXXX who acquired the loan from a predatory lender. I was with XXXX  XXXX XXXX from XXXX until XXXX at that time XXXX sold the loan to XXXX XXXX ( XXXX ) ; my credit report has been absent of any payments made on this account since it was transferred to XXXX XXXX XXXX. Therefore, if I try to obtain any mortgage refinance or looking to obtain credit for paying my mortgage on-time, this information is not noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My unblemished credit has suffered a sudden, surprising, and stubborn impediment, which now imperils my timely repayment of obligations taken on to get through the XXXX pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an Adverse unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this Adverse Entry with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION TRANSUNION, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that [ XXXX XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX  ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY TRANSUNION CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT TRANSUNION FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX  The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX  online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with TransUnion. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is to notify you about the accounts in my credit report which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or a response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. The following accounts are listed : XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXX.Needless to say this matter still has not been taken care of.
Product: Mortgage

I understand that Wells Fargo was recently found guilty of committing illegal actions during the timeframe I had my mortgage with them from XX/XX/XXXX till XX/XX/XXXX. 

I want to know if I qualify for any of the pay out to consumers. When I was with them, I remember having my escrow constantly changing. And not understanding why is a first time homebuyer. So I didnt ask a lot of questions. 

Please let me know.
Product: Debt collection

I am submitting a complaint against Bounce AI. On XX/XX/year>, I sent a debt validation request to them as required under the Fair Debt Collection Practices Act. The request was for them to validate the debt they claim I owe. It has now been over 30 days, and they have failed to provide any response or validation of the debt. This is a violation of my rights under the FDCPA, and I am requesting that the CFPB investigate the issue and ensure that the collection agency follows the law.
Product: Mortgage

I was contacted by my mortgage company ( Quicken Loans ) that my house insurance had expired. Quicken loans serves as the escrow account to pay my insurance which is calculated into my monthly payments. Due to refinance the account number was not updated by quicken loans and it defaulted on my insurance payment, by sending a check to them that was for the wrong mortgage. There was no communication from quicken loans for any issues that I could have corrected if I had known. Now my mortgage payment increased by {$130.00} dollars because they failed in their escrow duties. I should not be held accountable to a XXXX dollar company for a mistake that they caused. I would like to be compensated for this mistake in the form of my previous mortgage payment restored going forward ( allowing for adjustments in state taxes ).
Product: Credit reporting

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Product: Debt collection

I am having ongoing economic problems that have caused me to fall behind on making my mortgage payments. I have been having problems communicating with my mortgage servicer, Caliber Home Loans. They have placed, and continue to place debt collection calls to my personal cell phone and leave voicemails, primarily from their XXXX ( Single Point of Contact ) collection department. 
I am a XXXX veteran, and have a XXXX that impacts my ability to communicate on the phone. Both myself and a technician from the VA XXXX XXXX XXXX, XXXX XXXX, have communicated this to XXXX, both verbally and in writing on multiple occasions, and asked that they suspend calls to my phone and communicate via writing. I have previously filed CFPB complaints against XXXX for this reason, but this is an ongoing issue, and despite XXXX acknowledging those requests and saying they will comply, they continue to place harassing and unwanted calls to my personal phone. 
The previous complaints I have filed were XXXX, submitted on XX/XX/2020, and XXXX, submitted on XX/XX/2020. In their responses to both of those complaints, XXXX acknowledged receipt of the request to stop calling me, and provided an email address to correspond with. However, despite promising to stop calling me, they continue to do so. I am becoming increasingly frustrated with them at this point, this is a continuing pattern of harassment, and a deliberate violation of the Fair Debt Collection Practices Act. I have made it very clear to XXXX that I do not wish to contacted by phone and I will continue to exercise all available options to me to ensure that they respect my legal rights.
Product: Credit reporting or other personal consumer reports

The account is showing as negative/late payments. The Wells Fargo Credit Card account has been paid for and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, Citibank took over some of XXXX credit accounts. I did not make any purchases after Citibank took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by Citibank saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting Citibank, but was told I have to get my money back from XXXX so I can give it to Citibank. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that Citibank and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. Citibank is now reporting to credit bureaus that I owe money. I never even made any charges on the account since Citibank took the account over. These two companies need to get together and share information. Citibank is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.
Product: Credit card

I fell behind on my payments, after XXXX and eventually entered a payment agreement with Discover Card. I authorized them to take the money out of my account automatically by giving them my account and routing number. I saw in my bank account that for 4 consecutive months the debits were taken out in the form of an automatic check. Suddenly, 7 or 8 months later, I received a letter from an attorney saying the account was charged off and placed with them for collection. I called Discover and nobody could explain what had happened, until finally I got a hold of a manager who said the account was charged off on the same day that I was put on the payment plan and that the representative should not have put me on a payment plan. They said they called back to advise me of that but I never received the call. I assumed everything was settled since the money was being taken out of my account each month. Discover now claims that I was mailing in checks but no, the money was taken out of my account through whatever authorization I gave the representative over the phone when the agreement was made. Discover says that now that the account has been referred to an attorney there is nothing they can do about it. I do n't understand how the company can simply say that it made a mistake and should never have entered into an agreement and how it can choose to cancel that agreement without informing me of its decision and while taking payments from my account. At this point, I do n't even know if the payments were credited or not.
Product: Credit card or prepaid card

I have been charged by the same merchant 4 times with at least 2 of those being after I have gotten a new credit card number. The most recent one ( XX/XX/XXXX ) charged my card after the company supposedly sent an email to Visa to block this merchant from charging my card. I have opened disputes with my credit card company for every one of these charges and have yet to hear anything back other than them asking for information that has already been provided multiple times. In fact, I had a call with a case processor scheduled to give them this information and when I mentioned that I had already provided this, she responded with I see that here, we already have it. And this was after I had to fax them the information. I have attached letters informing me that a dispute has been made. This is the only update I have received. 

Dates of charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX I filed a dispute on blue tooth wireless headphones and a gaming controller that are both defective, Order date for headphones is : XXXX XXXX oder # XXXX - XXXX - XXXX dollar amount {$24.00}. The gaming controller was ordered on XXXX XXXX order # XXXX - XXXX - XXXX dollar amount is {$30.00}, I received the headphones on XXXXXXXX XXXX  received the gaming controller on XXXX XXXX,, The issues with both items occurred between XX/XX/year> & XX/XX/year>, also between those times, after speaking with representatives with Chase Visa concerning the defective products ordered from. Amazon I was told I would receive a temporary credit within 48 hrs to 7 buisness days, after speaking with a Chase Visa Card supervisor on XX/XX/year> at XXXX I was told I have to wait 15 calender days for the merchant to refund the funds back onto the Chase Visa Card, if the Merchant refuses, then I will receive a temporary credit for the disputed amount, but according to Chase Visa Online information It states the account holder will receive a temporary credit within 48 hour to 10 days, which equates to the Supervisor Lying to me, also the disputed merchandise is no longer in my possession, and all contents inside the package was mailed to the address associated with the transaction activity details concerning both disputed charges, the address both disputed items were mailed to is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX, I paid for shipping at a XXXX Store in XXXX GA in the amountof {$21.00} with my Chase Visa Card , tracking # is XXXX On XX/XX/year>, the impression that I'm receiving from Chase Visa leads me to believe that since the card is also associated with Amazon Prime Chase Visa Bank jas obligated itself to better accommodate the Merchant in an fraudulent and manipulative way, bottom line I no longer have the merchandise being disputed, based on Chase Visa, own, information the temporary credit shouldn't take 15 days.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.