23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This will be the 2nd time I am submitting a complaint about the same account. The company requested that I send them a copy of my identity theft report. I did just that and they are still trying to collect the amount due of {$130.00}. I told them in order to validate this debt, send me PROOF it is mine. Instead, they send me a statement of the charges. The statement of charges, just like the amount of {$130.00} they claim I owe, does not prove it is mine. 

I told them repeatedly, this is result of identity theft and someone is pretending to be me to open this account. I have no contract agreement signed with my signature therefore I did not authorize.
Product: Credit reporting or other personal consumer reports

TransUnion failed to uphold my credit freeze. Due to this someone was able to steal my identity using information they gathered from me and forge my signature digitally for a loan. TransUnion was notified multiple times that the signature was not mine and also the item the loan was for was never provided to me. Their way to " verify '' was to ask the people who committed the fraud if the fraudulent loan was real. This sounds idiotic, because it is. So essentially TransUnion said, " oh, we verified the accuracy of this fraudulent loan with the criminals attempting to defraud you ''. Also, they completely disregarded the fact that NOTHING should have gone on my credit report at the time because it was supposed to be frozen. 
I addressed these issues with them directly and here with the CFPB. 
TransUnion still has a nonfunctional website. I can do literally nothing there with my credit report. 
I was only able to dispute previously through XXXX XXXX  and by emailing them directly but now the credit karma option does not even work. 
I don't think anyone who works at TransUnion actually investigates these issues and if it is a person and not just a ( bad ) application, their grasp on the English language and FCRA laws is limited at best. 
I hope that the CFPB investigates TransUnion and shuts them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which Transunion, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have a problem getting statements mailed because Wells Fargo wants everyone to subscribe to online. When I am out of town I change delivery preferences to online to pickup the statement to make sure my balance is correct. That change is immediate because Wells Fargo will not allow viewing the statement with the preference of US Mail. When I change it back to US Mail I do not receive statements because Wells Fargo says there is a 30 day delay with that change. This is a man made delay because that 30 day delay is a recent problem because this did not start happening until sometime last year. They are happy to mail a statement with a fee of {$5.00} that they will waive if I call and complain.
Product: Mortgage

Mr Cooper misapplied my mortgage funds and due to that misapplication, my credit score was negatively impacted.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXt # XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 an 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 or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as collections. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the motorsports dealership not to run my credit and they did without consent.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my ongoing complaint regarding an entry on my credit report that I believe is inaccurate and misleading. Despite previous correspondence and efforts to rectify this matter, I am disappointed to find that the discrepancy persists across all three credit bureaus.
Product: Bank account or service

Bank of America made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The " charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another.
Product: Credit reporting or other personal consumer reports

I requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX.Thank you for your prompt attention to this matter.
Product: Credit card

I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union is reporting several False Information, and I would like it corrected. Please Trans Union is the ONLY ONE reporting these Items wrong. I was under the impression that all 3 should be reporting the same or even similar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I have never done business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

I opened an installment agreement with XXXX XXXX XXXX with the understanding this was a 36 month contract with no prepayment penalty. I paid it off in XXXX but they report that the account was late despite paying multiple months at a time. I submitted receipts and bank statements. 

They are violating Texas XXXX, and Im not sure what they feel they are accomplishing reporting false information. 

Equifax and XXXX claimed they investigated the issue but obviously didnt even look at the receipts or contract
Product: Credit reporting

My student loans were NEVER late, and yet they are showing up as late on my credit report. I finished college in XX/XX/2012 and within the six months after my completion date my loans were sold from Sallie Mae to the DOE. Ive contact Sallie Mae several times about their reporting error and they 've assured me on each of those occasions that the reporting error will be adjusted according and yet, here we are 7 years later and its still showing up and ( 9 ) payments late on my credit report on XXXX different Sallie Mae accounts. I need this information corrected and since Sallie Mae continues to string me along Ive decided to file a formal complaint with CFPB.
Product: Checking or savings account

I did nothing wrong 3 years ago a girl I was seeing sent me {$3000.00} and lied to her bank to recall the wire I have proof via text and calls she played the bank, I have zero issues with anyone else Im a XXXX XXXX XXXX with private banking relationships at many U.S. banks, so 3 days ago I opened an account and then woke up to it being locked down for doing nothing wrong I can easily prove in person that I have been honest and can verify your identity and the ironic part of this is after Covid I personally have spoke to your CEO on XXXX XXXX about the state of the economy as I am a XXXX XXXXXXXX, I would like someone from leadership to reach out to me and speak to me. As banking discrimination is unlawful and wrong.
Product: Bank account or service

I requested a copy of my credit report and noticed Well Fargo made arequest to view my credit report. I have never had any dealings withWells Fargo, nor have I requested any service with this bank that givesthem consent to access my credit report. I would like an explanation asto why they requested any information regarding my financial historyand want a complete transparent disclose as to who and why thisrequest was made by an associates within or any unauthorizedrequest by companies associated with them ( Wells Fargo ). 
I believe this request is illegal because I gave no such permission toWells Fargo to access my credit report.
Product: Debt collection

This item : XXXX ( student loan debt ) is inaccurate because Ive sent them a letter from the address provided on my credit report and it came back returned to sender. I am requesting that the item be removed according to the FCRA. Enclosed are copies of the documentation supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Shellpoint mortgage has a firm offer for short sale with proof of funds and financing arranged they have all the paperwork required by them filed since last Wednesday, with foreclosure scheduled for tomorrow it seems unfair that they won't take my offer I am retired XXXX and in need
Product: Debt collection

In XX/XX/2018, I ended my 15 year relationship with XXXX. A few years prior I had negotiated getting every channel for {$100.00} a month. When this offer ended I switched my service, and I wound up paying various amounts every month from XXXX to nearly XXXX a month. In XX/XX/2018 XXXX approximately ) I called XXXX to cancel my service, since I used to get every channel for {$100.00} a month and I was now paying almost 2.5x 's  more while getting far fewer channels. The lady I spoke with said she could put me back on the {$100.00} a month for every channel plan, so I agreed. About two weeks later I got a letter from XXXX telling me they wouldn't honor the deal I made with one of their representatives. They attached an agreement to this correspondence saying they could do it for {$150.00} a month, and they wanted my signature on the agreement. As soon as I was able XXXX a couple of days ) I took all the equipment in my housed brought it to the XXXX store nearest my house and cancelled my service. About a month later I received a bill from XXXX for termination fee. They have never stopped. 
Other than my I initially started my service with XXXX, I never signed an agreement with them. All deals were made over the phone, and I was never late nor ever missed a single payment. I don't owe XXXX anything. They broke the deal, not me. They then had the audacity to send this bogus charge off for debt collectors, who constantly harassed we and my family. Now they have sent a Major Derogatory alert to the credit bureaus, damaging my excellent credit rating that took me years to build. 
I owe XXXX nothing. I hope the CFPB can force XXXX and Convergent Outsourcing to retract the Major Derogatory from all the major credit bureaus, and once and for all cease and desist from harassing a former loyal customer just because that customer finally decided to end their association with their greedy corporation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2020, I took out a loan with Balance Credit. I did this online with limited ability to confirm my information or see the full documents as increasing the size of the content on the documents wasnt available. On XX/XX/XXXX, I was informed by my employer that I would be laid off due to Covid-19. I contacted Balance Credit several times to ask about payment arrangements and to explain my current situation. I finally was able to contact customer service and tried to get some resolution to help with my current situation. I was told I could defer one payment but interest would continue. I asked what interest would be for the one payment ( 14 day deferred ) and was shocked to find out that the interest would be the amount of the actual payment {$220.00} for 14 days on a {$2400.00} loan. During the deferred 14 days, I received several calls a day everyday. I finally took a call from Balance Credit, only to find out my new balance was now over {$2800.00} and they wanted 2 payments approximately {$450.00}. I again asked that if I paid {$450.00}, what would be balance be, and was told it would now be about the same, {$2800.00}. What?? I was advised that my payments were only covering interest. How can they charge 200 % plus in interest and other fees? I feel that one, this loan was done over the internet without the ability to see the documents in larger font, and two this should be considered predatory lending. I cant afford this interest rate. Balance Credit is charging consumers interest and fees that are abusive and grossly inflated. Who protects the consumer? A loan with no end and to do this during the worst financial disaster since the Great Depression!! I now know why you are unable to see or change your application.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681e. Compliance procedures : This section outlines the duties of furnishers of information ( creditors and others ) to establish and implement procedures for the accurate reporting of information to consumer reporting agencies. 

XXXXXXXX XXXX IS STILL REPORTING THAT THE DEBTS ON BOTH ACCOUNTS WERE NOT PAID IN DISCHARGE. RUINING MY CREDIT. 

CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update Credit Card Status to " Paid '' in Accordance with IRS Form XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I am writing to request that the status of my credit card accounts be updated to " Paid '' in accordance with the information provided on IRS Form XXXX for tax reporting purposes. 

Account Information : Credit Card Account Number : Card XXXX ending in XXXX Credit Card Account Number : Card XXXX ending in XXXX Credit Card Issuer : XXXX XXXX XXXX Background : As part of my annual tax reporting obligations, I have received IRS Form XXXX, which reflects the forgiveness or discharge of debt associated with my credit card accounts. This form indicates that a portion or the entirety of the debt has been settled or forgiven, resulting in tax implications. 

Request : In light of the information on IRS Form XXXX, I kindly request that you update the status of my credit card account to " Paid '' across all Consumer Reporting Agencies ; including Experian, XXXX, XXXX, and all secondary reporting agencies-within your records and with the credit reporting agencies. This update is essential to ensure that my credit history accurately reflects the resolution of this debt, and it is consistent with the tax reporting requirements outlined by the IRS. 

I understand that updating the status to " Paid '' is a standard practice when a debt is forgiven or settled, and it is essential for maintaining the accuracy of my financial records and credit history. 

I kindly request that you complete this update promptly and inform me once the change has been made. Please provide written confirmation of the status change for my records. 

Sincerely, XXXX XXXX XXXX