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

TransUnion I have call a couple of times to dispute these Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/2020 I would like to get the Inquiries Remove off my credit report. 







XXXX XXXX  XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Misc. 

XXXX XXXX Inquiry from XX/XX/2020 Misc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For some time now, I have informed Equifax that their reporting my account with XXXX XXXX XXXX is incorrect. Multiple supporting documents were delivered to Equifax with my dispute. Equifax responded to me saying " XXXX has confirmed the information is correct '', making XXXX the judge adjudicating that their own erroneous information is correct ... sort of like asking a defendant are you guilty?. 

( 1 ) XXXX is reporting account # XXXX as a " Charge Off '' when XXXX 's own internal account " Transaction History '' covering XX/XX/XXXX thru XX/XX/XXXX documents every one of  the 12 monthly payments were paid on time, as agreed. 

( 2 ) The Equifax report shows a " Past Due '' amount of {$5300.00} when the fact is this account is " Current '' and THERE IS NO PAST DUE BALANCE. 

( 3 ) Equifax reports the last payment reported by XXXX was XX/XX/XXXX when the verifiable facts confirm my payments have been paid on time with the most recent payment received and posted by XXXX on XX/XX/XXXX and the next payment due confirmed to be XX/XX/XXXX. 

The practice of allowing a company to confirm their own erroneously reported information is absurd and hardly an impartial " investigation ''..
Product: Student loan

Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too
Product: Debt collection

Radius Global Solutions has contacted me multiple times a day, from multiple phone numbers. They have contacted my personal phone number, my work number and my parents. I sent the company a certified letter that was delivered yesterday. I have confirmed receipt of the letter by USPS. Today, the agent at the XXXX phone number 5 times between XXXX and XXXX, contacted my work line at least once and my mother on cell phone. Not only was this the second time they called my mother, they discussed what type of debt that I owed.
Product: Debt collection

The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.
Product: Credit card

I have a Paypal credit account ( aka XXXX ), I have made a payment to this account as well as obtained refunds from merchants which do not post to my account. I have been calling the customer service department daily for a week asking when these will post. I am constantly promised that it will happen at the end of the day ; when I chack my balance the next day, I find that I was lied to and that payments to the account and refunds do not poat and do not affect my current balance on the account. Where is the money going?
Product: Debt collection

I have letters that I have sent to this company. It has been a year and I Have received nothing in return about removals. 

These letter were sent out XX/XX/XXXX, XXXX of XXXX
Product: Credit card

This card offers extra reward points for travel, Including hotel stays. I did not get the extra points from stays at XXXXXXXX XXXX XXXXXXXX, and Chase told me it was the merchant 's responsibility to code themselves as a hotel and not a store. I believe the consumer should not be penalized because of the vendor 's error, and that chase has the responsibility to correctly give points that were promised to me per my customer agreement. 
I am sure this has caused many Chase customers to lose out on reward points, so the government should take a look at Chase, s practices from a systemic review point of view
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against ( insert name of collection agency ) ( Account # ) for knowingly reporting inaccurate data to the credit bureaus. My credit profile is being negatively affected by these penalties, and this appears to be suspicious and deceptive behavior. I am demanding proof of valid authorization/proof of alleged debt. Reporting this information without proper disclosure requirements is in direct violation of my consumer rights. I am legally requesting a description of the details of the verification process used to verify this alleged account. I am also requesting that you provide me with the forward flow agreement between you and the original creditor, since this debt was purchased by you and I have no contract with you. Purchasing of this debt from the original creditor, XXXX XXXX XXXX, does not guarantee that the information is accurate. Federal law requires you to respond to this complaint within 30 days. Failure to comply with these federal regulations by FTC USC 41 ET ESQ. I am maintaining a careful record of my communication with your company. I have attached documentation to this complaint. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/year>, I submitted a second debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/year>, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/year>, I submitted a final debt validation request to Navy Federal Credit Union asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # 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. 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 reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the department of Education and Navient to removed these items from my credit report last week and today XX/XX/2019. I even reached out to the credit report to get them removed XX/XX/2019. The issue is that my student loans are now with XXXX XXXX a collection ageny that I make monthly payments to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows late 30 days. company and documents state never late. bureau shows verified. XXXX states they were never notified of dispute from bureau. 
2.XXXX XXXX , XXXX XXXX XXXX . I requested verification on both accounts due to I have XXXX sons named after myself and they do in fact have these cards. Both cant provide me with any documentation with my signatures on anything. 
3.Bk was disputed and deleted in XX/XX/XXXX but since above disputes bureau has reinstated on my report without any notice. 
bureau is using third party info for verification and not contacting the companies as required by law. 
Two other account were also not verified. 
All requests were not notarized and sent certified mail. 


NONE OF THE ACCOUNT SHOWN ON MY DEMANDS FOR VERIFICATIONS AND CORRECTION WERE CONTACTED BY EXPERIAN.
Product: Credit card

With moderate yet problematic cc debt ( {$13000.00} ; XXXX accounts ), I applied online to Bank of America for a balance transfer of XXXX of my existing accounts. When they gave approval with a {$5000.00} credit limit, I decided not to activate my card, intending to follow-up after more research and deliberation. Instead, B of A activated the card without consultation and applied the balance transfer to my XXXX account ( {$9000.00} ) instead of using the limit on my XXXX account ( {$4000.00} ), meaning suddenly, I had XXXX credit card payments instead of XXXX. 

I had no idea this had occurred until Friday, XX/XX/2017, when I received a phone call from B of A. Upon speaking with them, I grew incredulous about two things : 1. I did not activate my account and even responded that the credit limit was not sufficient to open the account ; and, 2. rather than transfer a single account within their imposed {$5000.00} credit limit ( a one to one transfer from XXXX to B of A ), they split my XXXX account, meaning I had to continue paying on my old account and now ... on the bank of America account which I never activated because financially, I am only capable of paying down XXXX credit card balances. 

Now, I am getting up to 5 calls a day at home and work from B of A and it does n't matter who I speak with, there is no amiable resolution. I told one rep that for them to start dinging me with late fees and interest was absolutely unacceptable. Yet, the story remains that whoever at B of A I speak with, they just want money and are oblivious to the unfair practices of a ) opening my account ; and b ) doing so without my input. 

This truly represents bad customer service and bad business practices by bank of America. even when I have been forwarded to a service manager, I have to start from " my story '' from square one. B of A 's most repeated solution is for me to get the money back from XXXX, which is akin to " look, we know we kind of screwed you over here, but it 's not our problem ''. 

This whole matter has become stressful and I now regret that I even applied for the B of A credit card. Their whole focus is not on making customers happy or even addressing customer concerns, it is to ensure that their collection agents have something to do. 

I am extremely disappointed in this process, even more so in Bank of America.
Product: Debt collection

On XX/XX/XXXX I was contacted by The Law Offices of Mitchell D Bluhm & Associates, LLC about an alleged debt in the amount of {$2100.00} to a creditor named XXXX XXXX XXXX. For emergency services supposedly received on XX/XX/XXXX at XXXX XXXX XXXX XXXX. They said that the debt was originally with XXXX XXXX XXXX XXXX but they sold it to XXXX XXXX XXXX. I let them know in writing that I HAVE NEVER BEEN at XXXX XXXX XXXX XXXX EVER or requested any services from that medical center. They claim that I received emergency services on XX/XX/XXXX and it is completely FALSE. I requested proof that this bill/account belonged to me and in return they sent me a confusing, innacurate statement of account with an address where I never lived XXXX XXXX XXXX ... and a medical account number that was not verifiable ( XXXX I tried to log in into the website they provided ( XXXX ) to see the details of this bill and it doesn't match any records. The medical account they have in the statement doesn't match with my date of birth. It is fraudulent and fake.
Product: Debt collection

The collection agency has placed a judgement against me and on my credit report, the person owing the debt is not me. The collection agency has the wrong person, the person they need to contact my son. The collection agency should have done a more through background check and failed to realize their mistake.
Product: Mortgage

I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On XX/XX/XXXX, I notified them that the house was XXXX % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be XXXX/XXXX/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. 
I managed to track down the appraiser 's email address and phone number, and contacted him to complete his appraisal. According to the appraiser, he did his appraisal, submitted it, fixed it upon request from Citizens Bank, and re-submitted. 
Citizens Bank did not have their job complete for our scheduled closing on XX/XX/XXXX, so the closing was delayed. I then had to reschedule appointments and deliveries that were to be handled on XX/XX/XXXX. I delayed them to be the next day. I also learned that the builder has a {$500.00} per-day fee that they will enforce for closing delays. They waived the fee for the first day delay. 
Since XX/XX/XXXX is XXXX, and a bank holiday, no progress was made that day. But we were assured it would be handled Thursday, and we could close Thursday afternoon. 
Mid-day Thursday, it became apparent that the closing would n't happen Thursday either. I again rescheduled appointments and deliveries from Thursday to Friday. By the close of business on Thursday, I was told that the appraiser still needed to submit some information to the bank. So essentially - no progress was made Thursday, either. 
We rescheduled the closing for Friday at XXXX. Early Friday morning, I drove to the house to take pictures that the appraiser needed to submit, and sent them to him to help move the process along. It is now noon on Friday, and the appraiser just told my real estate agent that he just now heard that he needs to submit pictures. It 's clear that we will not be closing today. I have family coming from out of town tomorrow to help us move, and it seems we will not be able to do that. There are now more deliveries that I need to reschedule again, certainly with financial penalties at this point. 
From my point of view, there has not been any progress on the appraisal since last week. The appraisal was ordered so late that it needed to go perfectly to avoid delaying the closing. But it did n't go perfectly. There were problems, still unresolved, and nobody can say when the closing will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Inquiry Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Product: Debt collection

Velocity Investments , LLC & XXXX, XXXX & XXXX is attempting to collect/sue for a debt that they have yet to validate or send any type of correspondence. They have yet to respond to ANY request of for validation. Two letters were sent to Velocity via USPS priority XX/XX/XXXX and XX/XX/XXXX. VelocityXXXX, XXXX & XXXX has sent a letter threatening to garnish wages on a debt again they have not validated or sent any kind of documentation about. They have been trying to sue since 2020 and in that time still have not validated the debt. Nothing regarding this debt was received before that time.
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. 

Account name XXXX XXXX XXXX  XXXX XXXX Account number XXXX Account name : CHILD SUPPORT NEBRASKA Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX  Account name : XXXX XXXX XXXX Account number XXXX has violated my rights. 

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: Mortgage

I have reached out Shellpoint Mortgage Services several times in reference to account number ( # XXXX ) request the late payments from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX forbearance period. Be removed from my credit report. Theses late payments were during the Covid 19 Pandemic and as per the CARES ACT should have not been reported as late. Please remove late payments from XX/XX/XXXX to XXXX XXXX. Please update my report to reflect accurate information.
Product: Credit card or prepaid card

Received a letter from Bank of America stating we have unused funds from an EDD prepaid debit card. When I tried to claim the funds B of A said they can only send the money to the address on file which is my previous address. B of A told me to go back to EDD and change my address which I can not do because this my EDD claim is from XXXX and closed EDD does not keep information that long. 

Bank of America is holding over {$2000.00} of my money and will not release it. They said they will send it to The State of California in XXXX and I can get it from the unclaimed property division. Not acceptable when I have other accounts they can verify our current address from. The letter also current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my Equifax report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Money transfer, virtual currency, or money service

Unable to link XXXX to external accounts
Product: Credit card

Without my knowledge, a credit account was opened in XXXX. {$6000.00} was withdrawn in XXXX. then over another 2 months another XXXX XXXX dollars were withdrawn. This credit account is opened with American Express. I have never been to this bank and never opened an account there
Product: Checking or savings account

Us bank said I took atm withdraw about XXXX XXXX when I had my card under my head .so I dispute it and they said I did take the XXXX out of my account and there nothing else I could do this was back when XXXX was going XXXX XXXX XXXX. I could that same day money got took out and at my house and told them why would not even be home if I get a XXXX draw from XXXXXXXX XXXX what