23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, TransUnion, and XXXX. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt. 

Despite providing this comprehensive information, XXXX, TransUnion, and XXXX have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, TransUnion, and XXXX is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.
Product: Credit reporting

Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that two late payments were erroneously reported for an account that I have always paid on time. As credit reporting agencies play a vital role in reflecting accurate consumer behavior, I ask that this matter be addressed promptly. 

For the account : ( XXXX XXXX  ) ; ( XXXX ), I have never been late in making payments. I request that you investigate this situation and provide any evidence that these payments were made late. If you can not provide proof, I expect the information to be corrected immediately to reflect my accurate payment history. 

Thank you for your attention to this issue
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Professional Debt Mediation , Inc . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I was harassed on the phone constantly despite telling the phone reps at your collection company not to call me. The Original creditor grossly overcharged me and kept on increase the balance frivolously. My request for validation was ignored and your company failed to mark me as disputed and failed to provide me with validation of the debt. Also Professional Debt Mediation, Inc. dont have registered agent in California Account Information : Account Number XXXX  : Balance : {$1000.00} Date Opened : XX/XX/2016.

Type : Derogatory Account Number XXXX  : Balance : {$1400.00} Date Opened : XX/XX/2016. 
Type : Derogatory Solution : deletion accounts from all credit bureaus and waive the balance
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

Experian is now fabricating complaints saying I submitted 2 complaints on XX/XX/2023 and states it about to things I closed a year ago b paying off debt, FRAUD FRAUD FRAUD, This company has no idea what is going on with my account for almost 20 months, THEY ARE DAMAGING MY CREDIT
Product: Debt collection

I am being illegally charged a debt from an XXXX XXXX XXXX XXXX 
By Texas law I do not owe anything to the property management company after my move out date. 
Texas Property Code Sec. 92.0161 states ( g ) A tenant who terminates a lease under Subsection ( b ) is released from all liability for any delinquent, unpaid rent owed to the landlord by the tenant on the effective date of the lease termination if the lease does not contain language substantially equivalent to the following : " Tenants may have special statutory rights to terminate the lease early in certain situations involving certain XXXX offenses or stalking. '' I terminated my lease due to XXXX assault in my XXXX XXXX XXXX released me from my lease and after move out they are attempting to charge me {$1000.00} for unknown charges. 

Now IQ Data International is reporting to all XXXX credit bureaus that I owe {$1.00} more each month which is against fair credit reporting laws.
Product: Mortgage

I would like to lodge a formal complaint against my servicer, U.S. Bank & their attorneys, XXXX XXXX XXXX, XXXX. 
I received the attached Fair Debt Initial Communications Letter from XXXX XXXX XXXX, XXXX on XXXX XXXX, 2016. It clearly states that I have 30 days from receipt of their notice to dispute the validity of the debt or any portion thereof. It further states that if they do not receive a dispute from me, they will assume the debt is valid. I wholeheartedly dispute their debt allegations & have submitted a validation/verification letter to their attorney, XXXX & XXXX for further explanation. Please note I did not receive a Notice of Default unless that is what htis First Communications letter is purports to be. 
Then, on XXXX XXXX, 2016, one ( 1 ) day later, I receive a Notice of Sale scheduled for XXXX, 2016. Clearly, they assumed the debt was legitimate within a day as they elected to send a Notice of Sale prior to the 30 days passing. They never gave me the opportunity to respond. 
Additionally, over the last two months, I have submitted my Loan Mod Package for consideration 4 times & my mortgage assistant representative keeps telling me via email that they have not received it which I do not believe as I have mailed, faxed & emailed it. And, even though I am eligible for a mod, they keep refusing to give me one. They have added a ridiculous amount of fees to my account over the years without explanation. And now, after all this time, I see that my mortgage amount has decreased. I am not certain why they increased it so much in the first place. Also, there are many accounting errors in my file that they refuse to address. I assume someone made them finally take a look at it. 
I am totally perplexed as to how U.S. Bank & their representatives continue to deny modifications, claim to have lost paperwork & request it over & over again ; conduct all kinds of questionable as well as illegal practices ( i.e. foreclosing on homes that are not the party in interest ; using fraudulent mortgage assignments ; XXXX loans that never were timely placed in a trust ; refusing to disclose the trust name to a homeowner at several written requests ; refusing to respond to question on QWR ; TIL violations, etc. ) & get away with a slap on the hand. I have plenty of documentation to back up every allegation I have asserted & more. 
I respectfully ask that someone of authority have a real look into these matters & that U.S. Bank & their representatives follow the rules & laws implemented. After all, since they are attempting to conduct a non-judicial FC based on a Power of Attorney signed without me having representation, the fact that they are not the party in interest as required in Georgia to conduct a non-judicial FC ; the Mortgage Assignment clearly is fraudulent ; XXXX XXXX XXXX issues, etc., they should be duty-bound to proceed within the rules & not be allowed to continuing stealing homes that have no legal right to. 
Their repeated actions seem to have no viable consequences for them.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft I have a police report stating that my DL was stolen and USED without permission. Never lived at the address associated with the account. The phone number asssociated with the account is a cellphone house phone that XX/XX/10 roommates of mines used. 

Police report # XXXX fraudulent use of ID ( XXXX XXXX XXXX XXXX deputy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to Privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Prepaid card

I purchased a prepaid, Visa gift card. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. Pathward/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXX/Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for this card but some action on the part of CFPB to sanction XXXXIncomm so that the entities stop this eggregious behavior.

At this point it is honestly getting very annoying when you spend a large amount such as {$500.00} on a gift card that says it can be used anywhere that accepts the brand which in this case is Visa. Even small transactions that re XXXX $ are blocked as well as trying to buy gas from a gas pump physically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent many complaints and it has been over 3 months and still no change to my report all of the companies listed below in the attachment used my personal information without my consent. And still have yet showed proof of them having my permission to do so. I demand these thing be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit file is fill with incorrect name spelling, addres, social security numbers and phone numbers that does im not associate with. I send letter to the credit bureau and get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.
Product: Credit reporting or other personal consumer reports

I sent an opt out letter to XXXX XXXX, Lakeview Loan Servicing , LLC and XXXX on XX/XX/2023 according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received zero response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.
Product: Credit card

Over the course of about a year, Chase bank sent me mail, emails, and notifications on my XXXX XXXX credit card account that I could take advantage of a balance transfer offer, where I would be charged 0 % interest on the balance transfer for 12 months. 

On XXXX XXXX XXXX  I decided to take advantage of this supposed promotional offer and transferred {$4500.00} in balance from another card onto my XXXX XXXX. At the time of the transfer, I was told it would have 0 % interest for one year, and I paid a 5 % fee of {$220.00}. This transfer was included in my statement when the billing cycle ended on XXXX XXXX, which was for a total of {$8700.00} ( including the balance transfer and the fee ). Before the payment was due on this statement, I called Chase on or about XXXX XXXX to confirm how much I needed to pay off from the statement balance in order to avoid any interest charges. During that call, I was explicitly told if I had {$4500.00} in balance statement remaining, I wouldn't be charged any interest, so that's what was left on the card when the payment deadline passed. 

Because of what I thought was an advantageous offer, on XXXX XXXX I made a second balance transfer onto the Chase card in the amount of {$4000.00}, plus a 5 % fee of {$200.00}. 

When I went to check my statement from the billing cycle that closed on XXXX XXXX, I noticed I had been charged {$90.00} in interest for that cycle. I went back and checked my previous statements as well, finding I was charged {$31.00} in interest for the billing cycle ending on XXXX XXXX. 

I called Chase in the evening of XXXX XXXX to find out the source of these charges, which I thought were mistaken. Instead, after being shuffled between XXXX different people, I was told the 0 % interest promotional offer was voided immediately after I made another purchase with the XXXX XXXX card. Essentially, contrary to what I was told in that XXXX phone call, I needed to have paid off my entire statement balance of {$8700.00} in order to avoid any interest charges. As calmly as I could, I explained the balance transfer advertisements told me repeatedly I could avoid interest payments for the year. All the representatives I talked to said the advertisements were not true, and that I needed to now pay off the full amount of my statement balance to avoid any interest charges, which was now nearly {$13000.00} ( thanks largely to the XXXX balance transfers ). 

As a solution to the false advertising, I told Chase representatives they could refund me all the interest I had been charged on the account, which at this point totals {$120.00} but will likely increase as I'm sure Chase will charge me interest for the XXXX billing cycle, too, because of its Trailing Interest policy. All the Chase representatives refused to refund the accrued interest. I was told any further complaints about this issue must be dealt through mail to Chase 's executive office. 

To avoid any further interest charges on this XXXX XXXX account, on XXXX XXXX I began the process of transferring {$9000.00} in balance from the Chase card to a XXXX XXXX XXXX XXXX, which charged me a 4 % fee of {$360.00}.
Product: Mortgage

This is my third complaint and Fifth Third has failed to specifically address any of my concerns. They have failed to provide the appropriate information, and the specialist that has been assigned to either complaint has never reached out to correct this issue or has never once returned my calls. I will continue to make these complaints and unfortunately file a lawsuit to recover the funds that were removed from my account without my authorization or consent. They provided one document that was from XX/XX/XXXX and was rescinded in XX/XX/XXXX. This complaint will be addressed and I will receive the customer service that should be an acceptable standard. I am not asking for anything other than what Fifth Third stated in their initial document that nothing would change from my old mortgage holder and that the conditions would remain the same. Nothing is further from the truth. Fifth Third has completely mishandled my account and provided horrible customer service when I brought to their attention that they failed to pay my taxes and instead issued an escrow overage check, which snowballed into a financial downfall that I have not recovered from yet. Then they withdrew funds from my account two times without authorization. I was making one-time payments from XX/XX/XXXX until I paid the account in full in XX/XX/XXXX. These actions by Fifth Third further caused me financial hardship. I look forward to actually hearing from a human that will correct these mistakes. I also have audio recordings from every interaction with the company. I also have video recordings of every one-time payment made from XX/XX/XXXX forward. Thank you!
Product: Debt collection

I was injured in XXXX i filled long trem XXXX per the XXXX XXXX  I filed for XXXX. in XXXX of XXXX  I was contacted about overpayment and settled this account for XXXX Now Im being contacted again for the same account for overpayment again for XXXX  money I recieved. they are claiming more overpayment in the ammount of XXXX and want to settle for XXXX I told the collector XXXX XXXX ( senior account manager ) at national service bureau to send me corespondence documenting the debt. I told him I wanted to have my attorney review for validity. He became angery and informed me that if I didn't respond today him and his client would take legal action against me.
Product: Credit reporting or other personal consumer reports

NEVER USE XXXXXXXX XXXX! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the XXXXXXXX XXXX wrong reporting and refused to make corrections. 
My loan was sold to XXXX three month ago. I talked with Truist from XXXX  to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that XXXX violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with XXXX, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.
Product: Credit reporting or other personal consumer reports

Recently, I looked at my report and noticed several inaccuracies on my account. These errors are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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

In your response to complaint XXXX. You are still as usual sophisticated. And do not answer questions. I filed a complaint on XX/XX/20. To this day I have not received the answer. You're just ashamed to admit your mistake. And do not want your answer published. But I will make sure to publish it as soon as I receive it. Please respect the dispute immediately. And without any stories and legends. To the public. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX {$61000.00} Account number XXXX ). The report on XXXX shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and Experian show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports