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

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Product: Debt collection

On XXXX I disputed a {$250.00} collection I requested that the debt be validated in that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been patient with this company! The reps are great however the system is trash! I paid for a memebership twice to see if it will update my report and i still cant get my free report! I am in desperate need and the emAil contact was no help! I called back again only to get another ticket number! This bs is hindering me! I need my report from these frauds and my refund so they dont give me what i paid for because reps only can give out credit for 1time! She said call my bank. My bank did not offer service and take my money! Just awful! Just fraud XXXX company! Automatic XXXX responses no real help!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I Filed a dispute with Equifax and XXXX  pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$160.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I reported a fraudulent charge with PayPal for {$200.00}. They did an investigation and determined I made the transaction. I confirmed with them that I did not make a transaction at all. I believe it was a fishing scam that I fell victim of, and then I told them that they refused to even discuss other options. 

They are more concerned with being viewed as safe than actually being safe.
Product: Credit reporting or other personal consumer reports

Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, XXXX shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

XXXX shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

Experian shows this account with 4 different statuses... 4 late payments but 5 months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.
Product: Credit card

XXXX charged {$50.00} as a deposit for renting a car which should be pending because it would be withdrawn when returning the car. 
I called to put my dispute to citi-thankyou preferred today XX/XX/year> at XXXXXXXX XXXX the agent who attended me named XXXX was XXXX and raised his voice at me and hung up the call. I called again and the next agent did not identify himself and the same thing happened, mistreatment of me and hung up the phone. 
Lately this happens when one requests to speak in XXXX. I am a XXXX client with Citi bank and this happens lately in the XXXX service. 
Finally I put my dispute on the English line with very professional and friendly attention.
Product: Credit card

On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.
Product: Student loan

Loan went from XXXX XXXX to collection at Performant in XXXX. I setup a payment agreement with Performant in XXXX. They requested {$10.00} per month, to be deducted from my checking account. The agreement was that I would be taken out of collections to active status after 9 months of payments. I have now paid faithfully every month for 4 1/2 years and the account has still not been taken out of collections. I am a single mother of XXXX children and I would like to buy my first house. I can not do this because this account shows as in collections on my credit report. Performant claims that they can not accept a settlement because XXXX XXXX owns the loan. They also claim that XXXX XXXX does n't want it back and they do n't have another guarantor for the loan. Performant states this loan is still in collections because the " rules changed '' in XXXX and I did not sign a new agreement with them. I never received notification or a request for a new agreement! They claim to have sent it by XXXX. I never received it. They have my email address, they have my mailing address. They send me a note every month that they have received my payment, but they ca n't find a way to notify me of this? Oh, and by the way, this loan which should not be in collections, has now accumulated an extra {$9000.00} in late fees. How can I have late fees when I have a 4 1/2 year perfect payment record?? Please help me!
Product: Mortgage

This mortgage was paid off on XXXX because we sold the property. The remaining escrow balance in the amount of {$1400.00} was supposed to be refunded to me. Dovenmuehle told me that it would take 15 days to cut a refund check and it would be mailed to the property address on file, XXXX XXXX XXXX, XXXX NH XXXX. I told them this was unacceptable because we obviously did not live there anymore and their process for changing addresses is a massive hassle. They told me it didn't matter and that the check would be mailed to the old address and if " you have mail forwarding then, it should be rerouted to your new address ''. 

Several weeks went by and I never got the check, as anticipated. I called and spoke with a supervisor who demanded I go through the process of changing my address by filling out a form and sending it back to them signed by both my wife and I ( despite the fact these people service my current mortgage ). 

I called them on XXXX to have a check reissued and have the request expedited. I had to go through hoops to try and speak with a supervisor about it, who continuously told me it would take fifteen days to cut a new check. I told them this was unacceptable as I was waiting on this money to pay bills. I also asked them why they couldn't electronically transfer the money and they told me that's something that can't be done. 

It's now XXXX. I tried to contact customer service again through the online chat and I was told that my check wasn't re-issued and that they would need " more time to research the matter as it came from a different department ''. 

I am thoroughly disgusted that Dovenmuehle is giving me this much trouble in refunding me my money. I need this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

I went to the bank to get a hold placed on my account because of unauthorized transactions. I was refused this because I had a deposit incoming that the bank wanted and instead the bank disputed their fees and the transactions for me. At this point I was informed and had confirmed by the branch manager of the bank that I would get two different provisional credits, one immediately and the other in 10 days. Yesterday was the 10 days and the second credit did not arrive. I called the bank and got excuses and we aren’t giving you what you were promised and when I demanded the bank manager call me back he did not reach out to me. All because the bank was caught in a lie. I want this situation to be resolved by the credit I was told I would receive being immediately placed into my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of late payments on accounts with OneMain, XXXX XXXX, and XXXX XXXX XXXX, TransUnion has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 
I have disputed the presence of these account on my consumer report multiple times. TransUnion claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which these were verified on my consumer report. 

XXXX Acc # XXXX XXXXXXXX XXXX XXXX Acc # XXXX XXXXXXXX XXXX XXXX Acc # XXXX I have raised concerns about the late payments posted on my accounts with XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. TransUnion has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I believe that TransUnion failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers. 

Thank you for your prompt attention to this complaint.
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. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my accoutrement. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I never applied for any of the accounts listed and would please like them removed from my report. 
1.XXXX XXXX XXXX Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1600.00} 2.XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3100.00} 3.XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3800.00}
Product: Student loan

During 2018, I was paying {$150.00} a month to XXXX ( previously XXXX XXXX ). Did not receive a student loan interest credit for that tax year. After looking at my payments and invoices, 100 % of my payments were going to collection fees! They reported me as making {$0.00} towards my interest. I'm confused as to how that is possible?
Product: Money transfer, virtual currency, or money service

I accidentally XXXX  the wrong person and I couldnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I consented to a consumer background check for my employer. I was denied based on the inaccuracy of my credit report. As I understand that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system and that it is your grave grave responsibilities to ensure fairness, impartiality, and a respect for the consumers right to privacy. After careful review of my credit report, I am asking for your company to look into these inaccuracies and removed if not verified. The statutory limit has been reached and they too shall be removed. As well as late payments that are being reported incorrectly as I have never been late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The bank was notified Of identity theft And still allowed withdrawals from the account In the amount of {$98000.00}
Product: Vehicle loan or lease

on XX/XX/XXXX reported the XXXX page documents with violation and fines XX/XX/XXXX i spoke with XXXX XXXX in the XXXX office she stated my claim was denied last year in XXXX and that resending the claim with added documentation will not reconclude the already made decision, will not reopen the identity claim has not been processed and won't be. the conversation continued with misleading tactics I was told the reason for the denial and lack of even looking into this account is because i don't have the right to recend this contract and falling in default would result in repoing the securities of the contract. all conversations should be with the cfpb at this point all conversation will be documented and recorded. it has been over XXXX days and i have not received a response from the fraud department Santander about my title of my vehicle, my money back and the violations rendering XXXX fine of each XXXX violations taken place since the account have occurred in XXXX. 
the fraud department has not sent me any letters they have had more then XXXX  days to review the document how for the second time the first time I was denied of my legal rights which is also a violation, simply stating wait for the fraud department tor responding knowing they have not responded in service unless thru the CFPB is gaslighting and misleading tactic within itself. 
The fraud department from Santander has not even notified me that the report has been open i believe XXXX XXXX me the truth but the statement that i will be contacted in XXXX  days has passed and come and gone and a revied letter was never received
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX and asked for validation because what they are allowing these companies to report are inaccurate they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. 

XXXX Account number- XXXX is completely inaccurate and they updated this account to new inaccurate information this credit line was for XXXX I used this account and was only able to pay which the account was paid in full I could not access this account and they have no support available besides email. They were continuously charging me their fees for a account that was up to date paid in full I cant even access and haven't had access to for about 2 years now this is so unfair. 

XXXX XXXXXXXX XXXX XXXX I closed this account because all of my accounts with this bank were hacked I reported this issue they bank even gave me new accounts this investigation could not been properly done. 

XXXX XXXX XXXX everything about this account is wrong its not mine and I cant even get information to this account they told me I was giving them the wrong address and personal information so what information is the company using at least help me help myself. 

XXXX XXXX XXXX XXXX I've sent out certified mail to validate date the keep calling harrassing me instead of sending information i request to verify deby now the are saying the debt is for a minor child which and refuse to send information by mail because I rather not argue with their rude customer service reps. 

XXXX XXXX XXXX Clueless to this account period XXXX XXXX- XXXX This account is not mines and I've been transferred and referred to so many other parties that were not able to help me so what did this company use please help me understand. 

XXXX- XXXX account information inaccurate
Product: Credit reporting or other personal consumer reports

I was incarcerated in XXXX until XXXX of XXXX this account was opened in my name in XX/XX/XXXX before my release. I have provided all necessary documentation to credit bureaus a the company XXXX XXXX showing my proof of Incarceration at the time. Under FCRA laws 605 ( b ) identify theft laws .The credit bureaus did not block this information from reporting to my credit report, neither the required time length stipulated by law.The credit bureaus Transunion , XXXX XXXX none of which did a thorough investigation of this claim of identity theft nor proved to do it by the time length given by the FCRA laws. I have submitted FTC report, police report, identification, XXXX number, proof of XXXX  from XXXX XXXX XXXX XXXX, and account information about when opened.
Product: Money transfer, virtual currency, or money service

We opened an account at First Data, with a merchant account and XXXX   XXXX    since XX/XX/2019. The service enable us to charge customers payment for delivery service. The account works properly until XX/XX/2019. 

Since we are a startup, at start, the cash flow into XXXX  account is small and we are able to redeem the money from XXXX account to our bank account. However, since with the growing of the business, the cash flow becomes larger, and then we are unable to redeem the money from XXXX  account. We didn't notice until XX/XX/2019. they close the whole account without any notice! We have been trying to call  the customer service several times. They only give an answer that this is due the security reason that close our account and reject to do further assistance. The customer service says they can't help us and transfer us to security department. However, the security department never pickup call! Their voice mail say they will call back between 24 to 48 hours!!! But we NEVER got their call!!! 

Now, XXXX has been freeze more than XXXX dollar in the account and reject to answer any questions and disappear!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a apology from XXXX XXXX  XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. Experian just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous