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

On  XX/XX/XXXX , I contacted TransUnion directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the TransUnion received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both Transunion & the original creditor via letters ( by mail ), disputing it on TransUnions website & through  XXXX   XXXX . I have sent  10 l etters starting in  XX/XX/XXXX and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX . TransUnion at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of TransUnions negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By TransUnions own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If TransUnion had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with TransUnion on  XX/XX/XXXX at  XXXX    XXXX  .  C.S.T., I  advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with TransUnion later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy whi
ch Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I Have a report of owing XXXX  XXXX. It is on my credit report, I reported it as a fraud because I do not live in Florida, I live in the XXXX XXXX XXXX and have documents to prove that I do not live in Florida. I live in my home for 20 years in the XXXX XXXX XXXX and can show proof of it. I filed a dispute and XXXX as well as the other two credit reporting is reporting it as such. They stated in the dispute resolution that XXXX  XXXX is saying the account is valid. I am a XXXX XXXX  veteran and this is causing me additional undue stress. I have no letters or documents from them, they sent me no letters, emails, or phone calls. I just saw it on my credit report and filed a dispute to no avail. Please provide any assistance if you can. Thank you.
Product: Mortgage

My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.
Product: Payday loan, title loan, personal loan, or advance loan

WAS NOT TAKEN OUT BY ME HAVE STRESSED AND RELAYED THAT TO NECESSARY PARTY BUT THEY ARE REFUSING TO NOT HOLD ME LIABLE OR HOLDING THEMSELVES LIABLE FOR THE MISTAKE HAVE TRIED TI DISPUTE AND ALONG WITH TRYING TO REACH THEM AND HAVE NOT RECEIVED REPONSE ( this is all within 2 1/2 year back and forth
Product: Mortgage

I became unemployed and immediately began a modification process my mortgage company was always telling me they did not have all of the paperwork but I would fax it then they would say they need another paper I would comply then they would say I have to do it all over again same paperwork over and over as I was diligently following the checklist they sent to me yet again it would be incomplete package I did this 5 times in two years and continue to work with a Counselling agency and still my mortgage company is lax and I feel because of my income teir they dont care to assist me
Product: Credit reporting or other personal consumer reports

XXXX dollars fraud charges made on my account XXXX months ago. They were remove by the other two XXXX and XXXX  a month ago. I have spent many hours trying to get equifax to look inot it they have lied and lied to me and give answers. I have contact XXXX XXXXXXXX many times they said this should have been resolved by equifax. I have had it and ready to sue equifax for not resolvin gthis after many attemts trying to get them to. They need to restore my credit ratin gto what is was and remove the fraud charges on XXXX XXXX card like the ohte two did over a month ago.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Applying all payments to suspense balance. Showing past due but all my payments are going to suspense. Try calling them they refuse to speak to me. Want letter from my attorney. Attorney has written them and till will not speak to me.
Product: Bank account or service

I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.
Product: Money transfer, virtual currency, or money service

I recently sent my daughter and XXXX XXXX but I was charged twice for the same transaction. I immediately reached out to wisely ADP to let them know that it was a double charge of XXXX on my card. They told me that I had to contact XXXX because they would have to clear it up when I reach out to them XXXX told me I had to contact ADP wisely so its been back-and-forth since XXXX XXXX and nobody is refunding my money. They clearly said it is a double charge. Theyve told me its a double charge, but they are not able to, take care of it and that wisely had to take care nobodys giving me my money back
Product: Mortgage

Mortgage Payment for XX/XX/2021, including late fees was sent as a personal check on XX/XX/2021 via USPS certified mail. Per USPS, the check was delivered to Mortgage Servicers XXXX XXXX  on the XXXX of XXXX. Servicer didn't apply payment by the XXXX of XXXX although it was delivered on the XXXX. Homeowner called and emailed servicer to inquire as to why payment wasn't applied as well as tracking number on envelope that was sent. Homeowners credit report was subsequently damaged due to servicer reporting it 30 days late although servicer received payment within 30 days of due date via confirmation from United States Postal Service tracking.
Product: Credit card or prepaid card

I have a Sony Visa card from Comenity Bank. 

I have had this card registered for autopay ( that is, to have my payment taken from my checking account automatically ) since XXXX. In XXXX of XXXX, I used this card to make a payment of approximately {$7.00}. 

Comenity Bank failed to process the autopay. Instead of processing the autopay, they held the debt as unpaid. In addition, they failed to provide me with a statement at the end of the month. 

Since Comenity Bank never notified me that they were going to cancel or stop taking my autopay, I believed that my bill had already been paid. I was shocked when, in XXXX of XXXX, I started receiving phone calls regarding an unpaid bill. I exorcated Comenity thoroughly for not taking the autopay as they should have and paid the bill directly. 

I recently found that Comenity has reported a delinquency on my credit report. I should not have a deliquency because of Comenity 's failure to take my autopay. 

I want the delinquency removed immediately.
Product: Vehicle loan or lease

On or about XXXX XXXX I called Syncrony bank to payoff my XXXX loan. 
They said the quickest way because they have no web based pay system was to give them my bank info ie : account and routing numbers. I called them back a week later because the amount of {$5900.00} had not been withdrawn yet, In the meantime my automatic payment thru my bank had already processed also so I should have a over payment, They told me when i called that it was not paid and could not tell me why except that the payment was returned. they were supposed to check phone logs to check recordings of my bank info was correct and that they would call me back ( no emails can be sent from them I was told ). I never received a call and to this date it has not been withdrawn from my account.. I don't feel i should have have to pay more interest for there mistake. I received a letter which if I can attach saying it was paid off. I can't get any help from phone calls, they don't know anything they just want me to repay again, I don't want to be charged twice for I don't trust how they do business.
Product: Debt collection

I previously submitted a complaint agains Credit Collection Services with the CFPB and last month was told that they would delete the derogatory accounts off my credit and to give them up to 30 days to do so. This was replied on XX/XX/2020, but the company has behaved deceitfully towards the CFPB and me. This was their reply from case number previously given of XXXX. 

First of all, they never sent me any documentation stating that the accounts had been removed. Secondly, they deleted the two smaller balances, but decided they would leave the one for {$290.00} with XXXX  and XXXX. Recently on XX/XX/2020 they updated the accounts on my credit reports. The second debt of {$59.00} was left with XXXX  and also updated the validity of the debt on XX/XX/2020, so they are still reporting these accounts, playing games and destroying my credit worthiness. Before I proceed with legal filings to take them to court for this for {$1000.00} per violation, I figured I would try to go through the CFPB one last time to give them a final opportunity to immediately right this wrong and I am NOT WILLING to give them another 30 days as this account should have been removed along with the other two accounts already. This is my last and final attempt, or I will be seeing CCS in court for {$1000.00} per violation, including violating my HIPPA rights and defamation of character, as well as fraud. They may be playing games with my credit, but I am making it very plain and clear that I am not playing games with them and I do not take them destroying my credit worthiness as a game. My life and credit are not a toy to be played with. I have given them enough time and have been more than patient, so again, this will be my last attempt before I proceed to turn this over to my lawyer.
Product: Student loan

In XX/XX/XXXX received documentation from XXXX XXXX   regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.
Product: Debt collection

I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Address that needs to be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.