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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. TransUnion has refused to promptly remove these fraudulent accounts. I spoke with a representative from TransUnion who informed me that this account would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

XXXX XXXX  filed sue on XX/XX/XXXX spoke with them on Friday XX/XX/XXXX, advising that correspondence needs to be resent. I havent received latest correspondence with offers. The law firm handeling the amount quoted a different amount of 900 plus which was not same amount in sue. Im currently waiting on sheriff to serve papers.i spoke to someone today XXXX to claiming to be consumer employee stated my account originally opened in XXXX XXXX purchased it my originally agreement was with XXXX.
Product: Checking or savings account

On XX/XX/XXXX, two unknown charges appeared on my account, totaling {$52.00}. I disputed these charges, and my dispute was approved/refunded on XX/XX/XXXX. 
On XX/XX/XXXX, I disputed a transaction of {$830.00} that occurred on XX/XX/XXXX. My dispute was denied on XX/XX/XXXX. 
On XX/XX/XXXX, Chime took the {$52.00} back with no explanation. Those funds were then adjusted back into my account on that same day. However, on XX/XX/XXXX, they adjusted {$42.00} of it back out of my account again. 
I have requested reason for denials, information about the investigations, and appeal forms several times over the next few weeks. I have never received any of this information. 
This has caused undue stress and financial hardship for me.
Product: Debt collection

I have called on XXXX XXXX on several dates asking the remove false collection account from my XXXX credit report. Most recent contact was XX/XX/21, spoke to collection agent and supervisor of collection agency, neither contact was able to find an account in my name via searching via my SSN, name, Dob, or address. I asked them to report to XXXX and remove it and they said they are not able to do that. I asked if they could research the issue and they said i needed to do the research which I did already. They provide no assistance for an account they are reporting as a collection account in my name. Name of the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAXXXX ( XXXX ) XXXX-XXXX
Product: Debt collection

Validation of Debt and HIPPA Authorization This company failed to inform me of my right to dispute the debt. 
They failed to provide me with any documents that bear my signature. 
In addition, this account was already deleted previously!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Debt collection

I have never done business with the below listed company. Therefore my request is this account be deleted from my credit profile.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit and notice I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank in question over a negative amount owed on an account that was closed by full payment and later reopened by fraud of company unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and another incoming deposits. Capital Ones has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XXXX XXXX, XXXX, when I tried to check my credit report at Equifax.com, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to EquiFax on XXXX XXXX, XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.
Product: Credit reporting or other personal consumer reports

Please remove the following hard inquiries I never recognized this!! I file FTC Report to support my complaint here 's the list 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: Debt collection

Charge for medical service on XX/XX/XXXX should have been billed by XX/XX/XXXX. Collections agency was notified. Medical service billing dept says collection agency can bill to the proper people. I'm not sure how since they are not my provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the XXXX, Experian, XXXX, and XXXX XXXX to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 1681r.

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.
Product: Debt collection

I began receiving calls from an unknown number onXX/XX/XXXX. The caller left numerous voicemails even after speaking to me. The caller stated that she is a process server and would be serving me at my home or job and instructed me to call XXXX with a reference number. The same caller left a message for me the same evening. This morning, XX/XX/XXXX she called again and left the same message. I called the number provided, XXXX and asked what company I was calling. He stated Alternative Dispute Resolutions or ADR. He proceeded to tell me that XXXX XXXX XXXX was going to sue me for {$1400.00}. He said that I could either pay the amount in full or give a refusal after which time XXXX XXXX XXXX would proceed with a lawsuit. I stated that I would like to speak with XXXX XXXX XXXX and he said he could not provide any contact number for his client. I advised him that I would still be contacting XXXX XXXX   XXXX. He then stated I needed to call back before the process server was scheduled to come out and serve me at XXXX today, XX/XX/XXXX. The debt I had from XXXX XXXX XXXX is 16 or 17 years old. It was reported on my credit by a bill collector and removed after the 7 year period. I no longer have any documentation because the debt is nearly two decades old. When I look up the phone number ( XXXX ) XXXX, it comes up as the number to a property manager.  When I look up the business name they gave me, Alternative Dispute Resolution/ADR, no business comes up, only the definition for Alternative Dispute Resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's online dispute portal is not functional. Upon entry, the menu states, " To submit a new investigation, click on the New Investigation link above. '' However, there is no " New Investigation '' link ( or anything similar ) anywhere on the page. Nothing comes up upon searching the website. It is not functional and leaves customers without the ability to exercise their right to dispute aspects of their credit report.
Product: Credit reporting or other personal consumer reports

XXXX, is reporting my account for the month of XXXX, 2019 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, Experian consumer report. This error is causing the student loan accounts to report negative.
Product: Credit reporting or other personal consumer reports

I AM REQUESTING THAT THIS KOHLS/CAPONE XXXX ACCOUNT BE REOMOVED FROM MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS COMPANY YET ALONE MADE ANY PAYMENT WITHT HIS COMPANY. THIS COMPANY IS FALSLY REPORTING THROUGH XXXX MONTH BY MONTH TO MONTH TO COLLECT A DEBT THAT I AM NOT AWARE OF! XXXX HAS BE AVOIDING MY DISPUTES AND AS NOT VERIFIYING THIS COMPANY REPORTING SCHEME. PLEASE CAN YOU REMOVE THIS ACCOUNT AND IT IS IMPACTING MY ABILITY TO PURCHASE HOME by law according to the irs they should not be reporting to my consumer report because this charge off is considered income and income should not be report on consumer reports and they are violating my rights to a good credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer XXXX & Capital One have violated my rights. 

Pursuant to the Privacy Act I the consumer am entitled to privacy of my nonpublic information. My transaction history is private information furthermore per Capital One terms and conditions they agreed not to share my information with non affiliates and the reporting agencies are NOT affiliates of Capital One. 

15 U.S.C 1681a ( 2 ) ( A ) ( i ) 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681a ( q ) ( 3 ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) Under 15 USC 6802 I the consumer also opted out of this information on XX/XX/XXXX 

Under the XXXX XXXX XXXX Capital One agreed to discharge this debt according to the forms on file with the SEC. 

Due to the promissory note of the consumer being securitized the certificate of indebtedness should have been credit to the consumer therefore no late payments can be reported.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance {$1700.00} and XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$230.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

I previously filed a CFPB complaint disputing the validation and responsibility of this debt. CFPB complaint number : XXXX. To which the company responded on XX/XX/year> " Company 's Response This communication is from a debt collector. Thank you for notifying Professional Credit Service of your concerns. Please note that the account referenced in your complaint was cancelled from our office and returned to the creditor on XX/XX/year>. 
As such, Professional Credit Service will not be contacting you again regarding this account. If you have questions or need additional information, you may contact our Consumer Help Desk at XXXX. Sincerely, Professional Credit Service '' However, despite the assurance provided in their response, I received XXXX additional letters from PCS dated XX/XX/year> and XX/XX/year>, respectively. In these letters, XXXX stated that they had reviewed the information on their end and determined the debt to be accurate and due. This stance directly contradicts their earlier communication which confirmed the account had been cancelled and returned to the creditor. Notably, this reversal of position was neither included in their initial response to my complaint nor was it communicated to me beforehand, leaving me without the necessary information to understand or dispute their renewed claims. 

This continued correspondence from PCS, following their explicit assurance that I would not be contacted again regarding this account, not only causes confusion but also distress. It suggests a lack of internal consistency in handling disputed debts and raises concerns about their adherence to the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding the cessation of communication upon a consumer 's dispute and request for validation which has not been adequately addressed.
Product: Debt collection

My husband and I initially signed the timeshare agreement with XXXX XXXX on XX/XX/XXXX. The representatives had my husband and I sit down for 3 hours to sell us a travel club. Refusing every no that we told them, they kept coming at us with affordable options and bringing in their boss to ensure they made the deal. We were the last couple in there and we could feel them rushing us through the process because they wanted to go home. One of the tactics they used to convince us was that if we kept up with maintenance fees, we could let someone use the condo in our place to receive more points and that we could use our points with our friends and family. We initially only wanted the point system. We have never used or seen the condo at all since we purchased the timeshare. What hit home was when my husband passed away in XXXX. Our income is now less than it was before. When I contacted the resort to rid myself of this condo problem, I ended up being charged two monthly fees instead of one. I have sent many letters, emails, and phone calls explaining that since my husbands passing, my current financial circumstances are no longer enough for me to be able to keep this contract. Yet, they continue to be persistent in keeping me chained to them. I am disappointed in how cold-hearted this company is and how they have treated me. All I am asking for is for an amicable release from this contract to relieve me from this heartache once and for all. 

Them placing our account with Meridian Collections iterated that they do not value us. We have no interest in working with Meridian and need this matter resolved directly through the resort.
Product: Mortgage

I HAVE APPLIED FOR FINANCIAL ASSISTANCE ON MY FHA LOAN WITH PENNYMAC, I WAS RECENTLY DENIED STATING THAT PENNYMAC DOES NOT HAVE TO FOLLOW FHA GUIDELINES. I ASKED WHY AND THEY SAID THAT THEY ARE THE INVESTOR OF THE FHA LOAN AND THEY CAN MAKE ANY RULE AND NOT FOLLOW FHA GUIDELINES. THIS IS ABSURD AND NEEDS TO BE CORRECT AS I HAVE READ THE 1009 PAGES OF THE FHA GUIDELINES AND IT STATES THAT IF I HAVE MADE 4 PAYMENTS AND HAVE HAD THE LOAN AT LEAST 12 MONTHS SINCE ORIGINATION WHICH ALL HAVE BEEN MET I CAN BE REVIEWED. HOWEVER, PENNYMAC STATES THAT THE ABOVE STATE DOES NOT APPLY TO THEM BECAUSE THEY ARE PENNYMAC. I HAVE ATTACHED THE PAGE FROM THE FHA GUIDELINES TO SHOW WHAT PENNYMAC SHOULD FOLLOWING.
Product: Student loan

I borrowed {$10000.00} from Wells Fargo for a private student loan while I was a XXXX. The loan was taken out on XXXX XXXX, XXXX. I graduated and began paying back the loan in XXXX XXXX. Before the principal repayment began, I was being charged 10.313 % interest, when the principal payment began the interest rate jumped to 10.753 %. The total finance charge for my loan, at repayment, as you can see from the attached document, was {$13000.00}. The total amount I will have paid, after all payments have been made is {$23000.00}. 
My principal balance due as of XXXX XXXX is {$10000.00}, per a conversation with a Wells Fargo Rep. My monthly payment amount is {$130.00}. According to last month 's statement, {$44.00} of my monthly payment was applied to the principal and {$61.00} was applied to the interest ( and I had a {$28.00} late fee ). 
During my repayment period, there have been months were my payments were late due to lack of employment, however, the loan payments were always made. Wells Fargo charges a {$28.00} late fee after a 10 day grace period. 
I feel that the interest rate and the pay back amount is exorbitant. If this had been a federal student loan it would be governed by federal regulations. Wells Fargo would not be permitted to take advantage of students needing funding for education.