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

I had a secured credit card from XXXX listed on my credit report that I knew nothing about. Disputed 7 times in 10 months with Transunion asking them to remove the fraudulent account that didn't belong to me. I called XXXX and they had no record of me after looking up my name, email address, and the last 4 of my social security number. It seems Transunion isn't really investigating or contacting the card issuer to ask basic questions. 10 months and it's still listed on my credit report : a card that does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX removed XXXX XXXX XXXX XXXX  removed it but XXXX and transunion havent permanently removed the account. If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$300.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I made a purchase throug Paypal on XX/XX/23 XXXX  using papal credit for {$400.00} The actual seller 's email is unavailable to contact, I contacted his partner - XXXX, by text and phone XXXX, he supposed to provide me the tracking # on XXXX, XXXX  and supposed to deliver priority mail 2-3 days, but he gave me a tracking number XXXX, which was incorrect number, next day I contacted to get the tracking number and today on XX/XX/23 XXXX, when I supposed to get my order he texted me at XXXX XXXX  asking me to wait XXXX minutes for correct #. Now is XXXX still waiting. I texted several times, no response. PayPal is moving so slow, when it is obvious that I will get nothing and start paying him his credit with high percentage.
Product: Credit reporting or other personal consumer reports

I called transunion and XXXX to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy
Product: Credit card

The credit card ( not the prior self builder account.That is a seperate issue .They have opened a new self builder account for me but its not reflecting properly on my credit report ) is still showing as open and that I owe something .That credit card should have actually been closed because it was included in my bacnkrupcy .They need to close it. Also I had money available to me over {$500.00} and it was never returned to me from the credit card.
Product: Debt collection

On this date, XXXX XX/XX/XXXX, I received a notification by mail by a company called Phoenix Financial Services claiming I owed a debt of {$40.00} for XXXX XXXX rendered on XXXX XX/XX/XXXX. The Phoenix account number listed was XXXX and the Creditor Account number was XXXX. Original Creditor Listed was XXXX XXXX XXXX XXXX. 

I knew immediately this was a scam as, on XXXX XX/XX/XXXX, I was stationed at XXXX XXXX XXXX, in XXXX XXXX, TX, as a service member in the XXXX XXXX in XXXX ( XXXX XXXX XXXX ). If I required medical care, it would have been provided by the U.S military and not a private medical facility. I can prove my location at that time through military records and official orders. There is no XXXX XXXX in Texas, and no such company in the state of Texas. 

I attempted to call the company and the phone was answered by an unnamed gentleman who proceeded to scream at me. I was do not tolerate verbal abuse and hung up on them before finding resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance : {$860.00} DEPT OF ED/XXXX XXXX Balance : {$6300.00} DEPT OF ED/XXXX XXXX Balance : {$9600.00} DEPT OF EDXXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXX Balance : {$4600.00} DEPT OF ED/XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance :
Product: Mortgage

US bank has not set up our escrow account correctly to make payments to our township ( we are in a PILOT scheme ). Last year we were in arrears on this money with the township and were charged over {$500.00} in interest payments by them ( which US bank paid after I had made a complaint. They assured me that the mistake had been rectified and payments would be made correctly from now on. Yesterday I received notification from the XXXX that our quarterly PILOT payment that should have been paid in XXXX has been missed. On checking my mortgage account the funds are available and are in my escrow account. This will mean we will again been changed interest by the XXXX and I am also concerned we are suffering reputational damage with them as we are seen as late payers. I have no confidence that going forward the lender will service our a count correctly.
Product: Debt collection

XXXX XXXX sold my information to a company and they keep attempting to collect a debt that isnt owed to them
Product: Credit reporting or other personal consumer reports

My account with FLAGSHIP CREDIT ACCEPT was never late! I have had exceptional payment history witH FLAGSHIP CRD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

FLAGSHIP CREDIT ACCEPT Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/year> I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THE FOLLOWING UNKNOWN ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the extra name from my credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2compliance standards. 
PLEASE REMOVE THE FOLLOWING NAMES THEY ARE NOT ACCURATE : 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

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

2. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

3. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

4. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

5. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Bank account or service

In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.
Product: Debt collection

I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!
Product: Credit reporting or other personal consumer reports

I filed a police report and sent it to Early Warning systems twice already letting them know that the accounts on my EWS report DO NOT BELONG TO ME. I have never been associated with these accounts and I am very unsatisfied with the way they are mishandling this important information. They refuse to respond in a timely manner and are also violating my rights by reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Im not sure whats going, however there must be a huge discrepancy in credit reporting between TransUnion and XXXX. After already disputing TransUnion previously about fraud accounts/debts on my credit report that belonged to another person, how and why is it not correct on my credit report thru TransUnion? Compare my XXXX credit score is XXXX pts higher that TransUnion. Isnt XXXX the company that provides all the same information to credit reporting agencies? Something is very wrong here, TransUnion is being fraudulent about my credit reporting account. Please check the facts and correct.
Product: Mortgage

Fixed rate, XXXX  year mortgage was originated by XXXX XXXX in XXXX. I pay taxes and insurance separately, NOT through escrow account. I have paid as agreed, principal, and interest, every month. I pay taxes and insurance as scheduled, with no late payments. I received a notice that a new servicer would be collecting payments beginning in XXXX of XXXX. I continued automatic principal and interest using XXXX through my bank. Payments were debited automatically. I received a notice in XX/XX/XXXX that new servicer would add forced placement insurance because I supposedly did not have the collateral house insured. I have used XXXX for over XXXX  years for all my insurance needs. The house has been continuously insured through the transition to new servicer with XXXX, which I confirmed in XX/XX/XXXX and sent via email confirmation of insurance to newservicer immediately. XXXX has no new information for servicer contact. 

I demanded that new servicer explain in detail why they did not have insurance information. New servicer has ignored my request for information. New servicer had all the information they needed to verify that property was continuously insured. I should never been accused of not insuring the property.
Product: Money transfer, virtual currency, or money service

I sent money through Zelle but it wasnt received for over 24 hours.
Product: Checking or savings account

There was an unknown transaction on my card on XX/XX/2023. This transaction occured at XXXX store location for {$230.00}. I was not physically in the XXXX on that date and I had my debit card with me. I brought proof of my travel documents to M & T bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX to bank representative. The bank credidted me the amount {$230.00} while they conducted their investigation. After XXXX  days I recived an official answer that my disputed transaction was denied despite proving to them that I was not in the country at the time of the transaction, I had my card physically with me in XXXX, and I never made any purchases at any XXXX location or online!
Product: Credit reporting, credit repair services, or other personal consumer reports

RESPONSE TO COMPLAINT # XXXX Dear EQUIFAX, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can not provide this information please delete the below accounts. 

Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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.

Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts affected me as I went to apply for a mortgage and was denied the accounts were not notated they asked me what was going on because this account was not notated. Creditor : XXXX  XXXX  XXXX, Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX So I demand these accounts be deleted from my consumer report immediately. 15 U.S.
Product: Money transfer, virtual currency, or money service

I previously used the Zelle mobile app for sending and receiving money amongst friends. Only the mobile app can be used, because my bank has not built a direct integration with Zelle on their end. 

One day, I was no longer able to log in to the Zelle mobile app, with no rationale for the error. Upon contacting customer support, I was informed that I was being blocked by an automated security system, and that there was absolutely nothing that could be done to fix or adjust the incorrect decision of this system. I escalated the issue to management and was told that Zelle reserved the unilateral right to decline services to me without notice or explanation, and that no assistance would be provided. 

I find this to be an unacceptable resolution. It is inappropriate for financial services companies to discriminate against consumers on undisclosed grounds disguised as " security ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( TransUnion, XXXX, XXXX ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. Thank you!