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

I need for everything that I disputed too please get removed and I never opened anything or apply for anything so remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered TransUnion was charging me $ XXXX/mo for credit monitoring. I have never received a statement or receipt for these charges, they just showed up on my credit card statement. When I try to log into the account to cancel, I am unable to access log in. When I call to try to get someone to help, I can not get a person on the phone. When I tried to get help via email, they told me to send my social security number over an unsecured email line, which I do not feel comfortable doing. There is no live person help, you can only send them an email, which they ask for sensitive personal information that should not be given over email. 
I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$24.00} each time. 
I would like for someone from Transunion to call me to cancel this service.
Product: Credit reporting

Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Bank Of America erroneously reported an account as fraud due to fraudulent actions in my behalf. I immediately contacted Bank of America by calling the customer service number to get an explanation and to gain clarity as to how this account were notated. After being on the phone for over 1 hr and 30 minsI was able to speak with XXXX in Risk Mgmt how advised me that my concerns were valid and she did see an error on their behalf, so when I was transferred to the Risk Recovery Dept O spoke with XXXX XXXX who also seen the error and not only removed the account but also cleared out a balance of {$11.00} on a XXXX account where I was also charged in error. Bank of America failed to advise me that they were closing the account and also failed to provide me with reasons. After speaking with XXXX and XXXX XXXX was transferred back to customer service and I asked for a copy of the notice they claim they sent and was denied. They stated that although I had been transferred and seen the notes they were not able to verify me and therefore could not provide me with anything nor could they contact EWS to advise of their errors causing this error to remain on my consumer profile. This account was opened in XX/XX/XXXX and closed in XX/XX/XXXX with no transactions.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXX, KANSAS DEPARTMENT FOR CHILDREN AND FAMILY SERVICES : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX, CHILD SUPPORT ENFORCEMENT : # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

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

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan originally started with XXXX. They transferred my loan to XXXX  I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus XXXX, Transunion and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Product: Mortgage

I started the refinance process with Wells Fargo on XX/XX/XXXX. The loan is currently with Wells Fargo and has been with Wells Fargo since XXXX when the home was initially purchased.. The equity in the home is about {$550000.00}. I was refinancing for a lower interest rate without any cash being taken from the equity. I submitted all W-2s, paystubs, and tax documents that were requested and required on XX/XX/XXXX and XX/XX/XXXX. Wells Fargo pulled the credit report on XX/XX/XXXX. At that time our credit scores were XXXX each. Wells Fargo informed me that an appraisal would be needed. I questioned the need for the appraisal since they had the existing loan and knew that the equity in the home was greater than the outstanding loan. However, they insisted the appraisal was required. Again the loan process started on XX/XX/XXXX and all required documents were submitted within the first two days. The appraisal which cost me {$500.00} upfront was completed on XX/XX/XXXX, and I was contacted by Wells Fargo on XX/XX/XXXX that the appraisal value had been submitted to them. The appraisal was inline with the value I had given to Wells Fargo initially when completing the loan. After the appraisal the communication with Wells Fargo was sporadic. I spoke to the loan processor in on XX/XX/XXXX and was informed that there were underwriting concerns regarding income to debt. The income to debt information was available on XX/XX/XXXX and XX/XX/XXXX when the information was submitted via the loan application process. Nothing was going to change after that. On XX/XX/XXXX. I sent an email to get the status of the loan process. I received a response that underwriting did not approve the loan. I informed the processor that I had not received any documentation or communication from Wells Fargo regarding the loan declination and requested a copy of the letter. On XX/XX/XXXX I was informed that I would receive the declination letter from Wells Fargo. As of XX/XX/XXXX, I have not received any documentation from Wells Fargo regarding the loan and why it was not approved. I have since refinanced and closed with a different company and incurred and additional {$600.00} appraisal expense.
Product: Debt collection

XX/XX/year> I've been receiving daily text messages asking I reach out to a company regarding a debt. The text messages came from a number XXXX ' and the website provided was XXXX XXXX XXXXXXXX I called I asked which debt wasn't paid, and I confirmed the " Account number '' within the link, but they wanted to verify my Date of Birth, and when I said I don't provide my date of birth they wouldn't give me any further information. I will add that the text message was the first notice of debt, I never received a letter showing where the debt originated, which is suspicious.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Product: Student loan

On XX/XX/XXXX I received an email that my monthly student loan payment would change from {$17.00} per month to {$700.00}. I have made attempts since XX/XX/XXXX to contact the company. There company doesn't recognize my account number or social and emails states its due to merger. I have submitted all of my PSLF and IDR information. Due to documents not being processed I am sent in circles. This price just will make me choose between student loan payments and rent/food for my children. I work in state government and make low wages. 
I feel that my senenstative information is being compromised,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX XXXX Account Number : XXXX High Balance : {$1300.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried calling transunion to get these fraudulent inquiries off my credit report the inquiries are fraudulent. Here is a list of the fraudulent inquiries I need removed off of my transunion credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list I put above are fraudulent inquires that I need removed from my credit report due to the fair credit reporting act
Product: Prepaid card

Google does not allow me to redeem my Google Play gift card purchased from XXXX XXXX. 

I provided my receipt and the details of the card. 

However, Google refuses to help with a generic template email : We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards.
Product: Money transfer, virtual currency, or money service

I apparently sold my truck to a man named XXXX at phone numbers XXXX and XXXX for {$23000.00}. He sent counterfeit checks of the amount {$26000.00} to my bank, XXXX XXXX XXXX XXXX ( account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( routing # XXXX ; account # XXXX ). He stated that he was overpaying me because he was having to hire a mover to come pick up my truck to move it out of state. I sent the difference to the supposed mover for the difference of {$3200.00} which is where he told me to send the funds. I sent it to the Bank of America Account ( routing number XXXX ; account number XXXX ) through the XXXX from my XXXX Checking Account ( acct # XXXX ) as instructed from the attached text message thread. I received notice from XXXX XXXX after the funds were transferred that the check for {$26000.00} were counterfeit and the transaction was reversed. No mover arrived to pick up the truck and the scammer has become non-responsive. 

I am now out {$3200.00} from my attached XXXX XXXX account and have filed a claim but was denied since I in fact initiated the transaction. The account at Bank of America is being used for Identity Theft and a deposit account for fraudulent transactions and counterfeit checks. I did reach out to Bank of America and they told me to reach out to multiple agencies to file a complaint. I have copies of all text messages and transactions but can not attach as the file is too big.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Product: Credit reporting or other personal consumer reports

Disputed information on the account the account is being reported as a collection but is open its also showing late for 120 days but reporting as a paid as agreed account this is in violation of my fcra rights. copy of report attached and inaccuracies highlighted
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification - Account # XXXX Dear Chrysler Capital, I am writing to formally request the specific method of verification used to confirm the accuracy of the late payment information reported to the credit bureaus for my account # XXXX. 
Following my recent dispute regarding the accuracy of this late payment, I was informed that you have verified it as correct. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to understand the verification procedures you employed to ensure the accuracy of the reported information. 
Please provide a detailed explanation of the steps taken to verify the information, including : Documentation reviewed Sources or third parties consulted Any relevant records or data points used to confirm the late payment This request is made to ensure that the reported information reflects my actual payment history accurately. I expect a response within 15 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
Product: Debt collection

The collection agency 's name is : LVNV FUNDING LLC XXXX XXXXXXXX XXXX I reached out to the the collection agency twice to ask for a validation letter to be mailed to me. 
Once on XX/XX/2022 and second, on XX/XX/2022. 
This debt was found on my all 3 of my credit reports. I do not acknowledge that this is a debt of my own. I have a credit card with this same credit card company in good standing!

I have disputed it with all 3 credit burros and it always comes back without verification.