23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.
Product: Credit reporting or other personal consumer reports

I am following up on my previous complaint from XX/XX/XXXX. Under FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items listed in an identity theft report, referenced by number XXXX. Attached you will find the necessary documents to aid in removing the erroneous personal information and unauthorized inquiries that have appeared on my report. The items opened without my consent are as follows : 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 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 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. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies must remove any consumer file items identified as resulting from identity theft within four business days of receipt.
Product: Credit card or prepaid card

Capital One has closed my credit card account Also Capital One company is crediting me {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that TransUnion was reporting tax liens. I then sent dispute letters to TransUnion to get verification of these tax liens that are showing on my credit report. I received letters back from Transunion stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have th e right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien. They have not provided the method of verification.
Product: Student loan

I applied for forgiveness, based on the school closing while I attended. The forgiveness was granted. I have been checking the loan status with Aidvantage ( loan servicer ). I have called multiple times to get incorrect information. On today I was asked to fill out a second application for borrower defense when the school that is listed isn't one I applied for nor was authorized an application for. the only school I attended was XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act, American Express has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Debt collection

I am writing to follow up on my previous requests for a letter of repossession. Despite my repeated attempts on XX/XX/year> and XX/XX/year>, I have yet to receive the necessary documentation to confirm the legitimacy of alleged debt. 

This delay is causing significant inconvenience and is unacceptable. I demand that you provide the letter of repossession immediately. Please consider this my final request before I escalate the matter to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and other relevant authorities. 

I expect to receive the requested documents within a reasonable timeframe. I have reason to believe that the collection of this debt is invalid or illegal to collect due to a violation of my rights as a consumer. Therefore, I am requesting immediate resolution of this matter. If I do not receive the required letter of repossession within 15 DAYS, I will report this issue to the XXXX XXXX XXXX XXXX XXXX XXXX for further investigation and to ensure my rights are protected. It is crucial that this situation is addressed promptly to avoid any further complications. Failure to comply will leave me no choice but to take further action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of Experian, XXXX  or XXXX. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri  Laws Dear BRIDGECREST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that BRIDGECREST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that BRIDGECREST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that BRIDGECREST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

I have applied for the loan from XXXX in XXXX and it's proceeded on XX/XX/2023. I have not received the fund to my Chase bank account. I confirmed that my information : account number and routing number are all correct. 

XXXX XXXX XXXX  XXXX XXXX XXXX  as sender. They should have sent XXXX $ to my chase bank account. I contacted to My bank, but they can't do anything since they do not see any transaction. 
I opened case to XXXX. XXXX requested to XXXX XXXX about the transaction. XXXX XXXX replied them that JPMorgan Chase confirmed the transaction has received with no return. However, Chase does not see any action happened to my account. 
I asked XXXX to provide proof of payment, however they are rejecting it, and just provided trace id. I contacted again to Chase bank with this trace id, no luck. 

Amount I'll receive {$43000.00} Sender : XXXX with XXXX XXXX XXXX date : XX/XX/2023 Receiver : JP Morgan Chase Effective Date : XX/XX/2023 Trace id : XXXX XXXX, XXXX XXXX, Chase are not helping to locate my fund.
Product: Credit card

I was defrauded by an XXXX old man in XXXX XXXX who used my identity to open several accounts under my name. The story was all over XXXX XXXX XXXX XXXX XXXX. XXXX of them was the Care Credit account. And XXXX and XXXX removed this charge on my credit report but they are still sending me bills. The credit bureaus identified the identity theft and removed the charge from my account immediatly.
Product: Money transfer, virtual currency, or money service

In regards of XXXX XXXX of disputes, particularly with recent CFPB lawsuit highlighted in significant issues with the platform. The financial institutions fail to investigate my claims in adequately. I was told once the funds are sent. There is no way of getting my funds back and theres nothing that could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Formal Compliant Against XXXX, Experian, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus Experian, XXXX  and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter on XXXX19, and it was received on XXXX19 and  signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the Experian, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XXXX19 and delivered on XXXX19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX Auto Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX or the original creditor.
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 USC 1681. 

Account Name : 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  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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have attempted to fix my issues with the three credit bureaus, however, my issues have yet to be fixed. An account with the name of XXXX is reporting on my credit report, however, this account is in violation of 15usc 1681e-d. I have also requested that this account provide me with an agreement in which I have with them to no avail. This company has not provided the authorized agreement creating the debt which is required to collect on a debt per 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt. There is also an account on my credit report in collections that has no information except a balance. I have no idea what it is and neither does the credit bureau and I would lie it removed immediately, thank you,
Product: Mortgage

Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede
Product: Debt collection

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : REC MGM SYS, Account Number : XXXX. 
I would like for REC MGM SYS to show proof of verification that I owe them {$590.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Transunion for the fact that they are not allowing me to view or access my credit report, and that this problem has been ongoing for close to 18 months now. Transunion deliberately takes XXXX and then does nothing. That report with the CFPB was filed recently. This was complaint ID XXXX. Right after I filed my report, Transunion dropped my XXXX XXXX by XXXX points in clear retaliation. I am requesting help from the CFPB against this predatory and unlawful company, these issues can not continue any longer. This is in addition to the issues I have faced from them. This is clear retaliation for the fact that I raised concerns against this company, and at this point I am asking the CFPB to assist me directly. They are now taking adverse actions against citizens credit reports in retaliation for any complaints or concerns raised. I noticed that the CFPB has brought several lawsuits against this company for their unethical and illegal behavior. They are now retaliating against XXXX citizens who raise concerns against them with the CFPB. Their retaliatory behavior must be looked into. This illegal and unethical behavior can not be allowed to continue.
Product: Debt collection

On XX/XX/XXXX, I received a missed call. It said MBA Law Firm. Turns out, it was it was Mitchell D. Bluhm Law. They first asked me to verify my information. I have never heard of these people. Then they proceeded to tell me I had a debt. At first they wouldnt tell me but I finally got them to tell me it was a debt for XXXX dollars from the XXXX department of XXXX XXXX XXXX from XXXX. I have no knowledge of that. At that point in time I was on a charity program at the hospital and my mom took care of my bills. I told this place I had no debts. I then contacted the hospital and they had no knowledge of any unpaid bills. I called radiology and it was the same. I then called MBA back and told them that the hospital said that, and MBA proceeded to stutter and tried to say that the hospital wouldnt know. Then they let it slip that they bought my medical information, which violates HIPPA 4 days ago. I then got my sister involved but they refused to talk to her. I then proceeded to request and look up my medical records and discovered there are no unpaid bills. The timing is odd as well, y mom who took care of some of my bills, passed away XX/XX/XXXX. In the 2 years they claim I owe, I have not received a bill, letter, phone call, nothing from anyone. This is the first Im hearing of this. Ive tried to talk to these people but its useless. I also discovered that this place is masking a local number and the firm is actually located in XXXX, Texas. Mitchell D. Bluhm is not even a real lawyer, the Texas Bar doesnt have him. Ive also read other complaints about these people. This is a scam. Ive talked to the hospital and others and I have no unpaid bills. I am also in the process of moving and buying a place to live. I dont need this. Someone has to investigate this place.
Product: Debt collection

Upon checking my credit report i notice a debt collector on my account numerous times trying to collect debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of thete affiliates
Product: Debt collection

XXXX XXXX responded to complaint number XXXX and lied and stated that I was not enrolled in XXXX XXXX XXXX spoke with a Comenity Rep on XX/XX/XXXX requesting the date and time of XXXX XXXXXXXX enrollment. They provided me with information that my Victoria Secret enrollment date for XXXX XXXX was XX/XX/XXXX and not the date XXXX XXXX XXXX provided in complaint number XXXX. This company is lying and refuses to address my concerns. They also filed a judgement against me without my knowledge. I did not receive any documentation regarding the judgement and I was not served. This is a violation. I am requesting all documents regarding this judgement as I believe they forged my signature on legal documents.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found incorrect and inaccurate information reporting
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} Date Opened : XX/XX/XXXX