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

I am writing to formally complain about the ongoing issue of an unresolved charge-off account on my credit report. Despite numerous attempts to dispute and remove this account, it continues to negatively impact my credit history, causing significant financial harm and distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of the charge-off account on my credit report. Subsequently, I immediately initiated disputes with your credit reporting agency, providing evidence that this account was inaccurately reported. 

Over the course of several months, I have made multiple attempts to dispute and remove this charge-off account. I have followed all required dispute procedures, provided requested documentation, and communicated with the creditor associated with this account to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off account remains on my credit report, adversely affecting my creditworthiness and causing me financial distress. It has not been removed, updated, or adequately investigated by your agency or the creditor. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove this charge-off account from my credit report. Furthermore, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am fully aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove this charge off account in XXXX, XXXX and Transunion credit bureaus : XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Product: Mortgage

Wells Fargo has failed to respond to my previous complaint, but also revealed a clear failure, as in the information they did provide they made statements which indicate they did NOT provide complete information during the transfer of my mortgage to XXXX. 

My previous request was for WF to provide ME with copies of the information sent to XXXX, as XXXX claims it did not receive multiple pieces of infomration. WF continues to claim it sent information, but refuses to provide any proof of what was sent, only their " assurances ''. That makes their claims as valid as my claim to be the XXXX of XXXX. 

There is no reason to refuse to provide copies of what was sent, if it fact they provided all necessary information. 

In addition to failing to provide a valid response- the documentation - WF also, in the letter dated XX/XX/XXXX, states that it communicated to XXXX that I am a successor in interest on the account. XXXX claims to have no record of that. But more importantly, I am the administrator of the estate ( in addition to being a XXXX ) and have been for a year and a half. I have been communicating with WF as the estate - and therefore the rightful account holder - since fall XXXX. They - by their own admission- apparently did not inform XXXX of this, and therefore prevented me from being able to in any way communicate with XXXX  regarding the mortgage
Product: Debt collection

Please see attached Cease & Desist that was sent to debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX credit card with Equifax because they are reporting incorrect/inaccurate information! They are reporting all these late payments which is destroying my credit scores that I have worked so hard to improve. They are reporting 40 late payments! How is that even possible when on the actual chart they are reporting 3?! I have disputed and disputed with them and all I get back is we are reporting accurate information! Obviously your not! I have the proof right here! My next step is going to be getting a lawyer I am so tired of them just reporting whatever they want and telling me its accurate! This is my last stop before I contact my lawyer! I have worked way too hard for them to report whatever they want to! How do you have an account that has been charged off as of XXXX and is closed still reporting late payments as of XX/XX/XXXX? Makes no sense to me!
Product: Debt collection

on XX/XX/2020 I received an email about a new account added to my credit report i got several alerts about it from a few credit monitoring services. I noticed an account was showing from acima credit services which I did not open. I have fraud alerts on all my credit reports and a phone is listed to call for any new credit due to my x wife having access to my personal information. no contact was made by acima credit before the credit was extended. i have no idea what the credit is for or did I give permission for it to be granted. i have a FTC identity theft report filed case number # XXXX.
Product: Credit reporting or other personal consumer reports

A year or two ago I reported a delinquency to you by XXXX XXXX XXXX XXXX XXXX XXXX on my credit report as incorrect and fraudulent. 

After an investigation it was removed. 
Now the exact same bill is back with a new collection agency XXXX XXXX XXXX. 

This bill is from a condo office for damage to carpet that was caused by a leak in the condo. While installing new kitchen cabinets in the unit above me the carpenters, put a screw that went through the wall and into the pipe, causing water to run down, filling my unit below and damaging all my personal property. 
The condo rules say that the unit above me is responsible for the damage to my unit but it was easier for them to bill me as I was renting and moving and keep the people above happy. I have all the emails between the office and I acknowledging this damage, that it was their fault, and that they didnt find it immediately and had to go back several times. 

They kept my security deposit and tried to bill me. I said take me to court as I have all the evidence to win. Knowing they couldnt win they chose this. 

How many times do I have to have the same bill removed. 
When is it harassment to keep posting the same bill after investigation and removal? 

Im inclosing pictures of the water coming down from the upstairs unit through my kitchen cabinets, my soaked, carpet, clothing, and bed I also copies of them charging me for the carpet that their leak caused. 

I have many more emails from XXXX XXXX and complete pictures on the damage and the
Product: Credit reporting or other personal consumer reports

I am writing pursuant to 15 U.S. Code 1681i, which requires credit reporting agencies to investigate disputed information in consumer reports. Upon reviewing my credit report, I have identified the following inaccurate information that I am disputing : Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One, Capital one XXXX, XXXX XXXX XXXX Issue : inaccuracy and Late payment balance, late payment, Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate this matter within 30 days and provide a written response with the results of your investigation. If you determine that the information is inaccurate or can not be verified, I request that it be promptly deleted or corrected in compliance with the Fair Credit Reporting Act.

Additionally, under 15 U.S. Code 1681i ( a ) ( 6 ), please provide me with a description of the investigation, including the name of the person or entity that furnished the information and any supporting documentation used to verify it. 

I have enclosed copies of documents supporting my dispute, including a copy of my credit report with the disputed items highlighted, as well as any relevant statements or correspondence. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2021, I called Transunion to get my credit score and to view my report after being turned down for a refinance of my mortgage after setting up online account. I was told on both calls that u must pay {$.00} to see my credit score and if I wanted my report I must sign up for a {$24.00} a month membership. Once again, I told the customer service representative that I am entitled to my score and report after being turned down for credit and the other reporting agencies do not require this, I was quickly told Transunion requires the money. There should be no fee to see or get your credit score or report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal has been reporting on my account. I have sent letters informing credit reporting agencies to remove and the inaccurate information and they haven't deleted it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter involving TransUnion 's unjust stalling tactics in response to my legitimate credit disputes and the addition of erroneous accounts to my credit report. Despite my efforts to resolve inaccuracies directly with TransUnion, their refusal to address the disputes under the pretext of unidentified origin, coupled with the inclusion of false information, raises serious concerns and has significantly damaged my creditworthiness. 

TransUnion has, on multiple occasions, claimed an inability to respond to disputes, citing an inability to identify the source of the dispute. This unfair and obstructive procedure has allowed them to evade accountability for inaccuracies they willingly added to my credit report. The impact on my creditworthiness, stemming from the inclusion of accounts attributed to XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXX is evident and deeply concerning. 

This stalling procedure is not only unfair but should be considered illegal, as it denies consumers the right to challenge and rectify inaccuracies on their credit reports. It is perplexing that TransUnion can readily add false information but hesitates to address legitimate disputes, leading to severe consequences for the affected individual. 

In light of these circumstances, I urgently request the Consumer Financial Protection Bureau to investigate TransUnion 's stalling tactics, the unjust refusal to identify the source of disputes, and the inclusion of erroneous accounts. I believe that immediate action is necessary to rectify these unfair practices and ensure that TransUnion is held accountable for their actions. 

Moreover, I wish to highlight that I am prepared to explore legal ramifications if necessary to protect my rights as a consumer and seek appropriate restitution for the harm caused
Product: Mortgage

I have been charged {$98.00} per month for XXXXXXXX for the entire life of my loan. I have been told several times, by several different employees of Shellpoint that I need to pay off XXXX % of my loan to get the PMI removed. They have been lying to me in order to charge me an extra {$1200.00} per year, and I want that money back.
Product: Mortgage

Today at approximately XXXX i called Green Tree to schedule a payment for my mortgage. At such time i spoke to XXXX my account rep. I explained that i was going to be about 34 days late on my mortgage that i will pay it on XXXX/XXXX/15 for the XXXX, 2015 payment. I have done this on XXXX other occasion in the last few months. During the conversation she sees my payment history usually late but like i said only once pass 30 days and i catch up. She tells me to hold on and transferred me to a XXXX or XXXX i could not hear very well. The conversation becomes aggressive immediately demanding that i come up with the money before XXXX XXXX. His tone out of control. I said excuse me did n't your company just settle a suit with such tone, harassment against your clients? He says I 'm not harassing you. I said well guess what are you going to accept my payment for the month of XXXX now for XXXX XXXX? He said no only if you pay XXXX months XXXX and XXXX. I said look i will pay XXXX on XXXX XXXX. XXXX looks as if it will be past due about 35 days. In XXXX i get paid XXXX times that month i should be able not to fall 35 days behind. His tone becomes high demanding again and now even more uncontrollable. Telling me, i just pay rent since i can not keep up with my payments. I told him that i hope this is being recorded bc he is out of control also mentioning that I 'm protected from when i filled for bankruptcy a few years ago that i paid XXXX for this house owe XXXX now and that I have read the contract that i signed under the modification prior to my bankruptcy with them. He keeps on with his tone and anger disrespecting me demanding. That i must pay. I then identify my self as a XXXX and that i do not like his tone. He goes on demanding the payment before XXXX 2015 he adds by saying " pay out or leave your paying rent ''. I said wow i cant believe i hope this is all recorded and before i loose my cool i decided to hang up.
Product: Credit reporting or other personal consumer reports

I looked at my report today XXXX XXXX I noticed something are incomplete and not accurate, after sending in a dispute to Transition back in XX/XX/year> Transition deleted XXXXXXXX XXXX  and XXXX off my credit report because according to 15 USC 1681i ( 5 ) Reinsertion of Information : If a consumer disputes the accuracy of information on their credit report and the information is found to be inaccurate or unverifiable, the consumer reporting agency ( CRA ) must delete the information. If the information is later found to be accurate, it can only be reinserted into the consumers file under strict conditions. 
Notification of Reinsertion : If the information is reinserted into the consumers file, the CRA must notify the consumer in writing within five business days of the reinsertion. 
Certification of Accuracy : The CRA must ensure that the furnisher of the information certifies its accuracy before reinserting it into the consumers credit file. 
Consumer Rights : The CRA must provide the consumer with notice of their rights to add a statement to their file disputing the accuracy of the reinserted information. Transition violated my rights. Also according to I also sent them a request..
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express serious concerns regarding the handling of my private information by XXXX, XXXX, and Experian, in violation to the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681, it is mandated that consumer reporting agencies exercise their responsibilities with fairness and respect for consumers ' privacy. However, neither the financial institution ( as furnisher information ) nor the reporting agencies have obtained my written consent to furnish this information.

Moreover, I was not informed of my right to exercise the nondisclosure option as required by 15 USC 6802 ( b ) ( c ). The reported adverse item on my account is a direct violation of 15 USC 1681C ( a ) ( 5 ). 

XXXX, XXXX, and Experian are also failing to adhere to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) by furnishing inaccurate information and not maintaining reasonable procedures, as outlined in 15 U.S. Code 1681e.

Per 12 CFR 1016.7, I am formally opting out of your reporting services.

I request prompt resolution of these issues to comply with the FCRA. Failure to address these concerns may lead to legal action. 

Thank you for your swift attention.
Product: Credit card

I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. 

On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. 

The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. 
I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. 

I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.
Product: Credit card

someone attempted to open accounts without permission, resulting in inquiries needing immediate removal. no authorizaiont given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

i have transfer crypto from my XXXX account to digital wallet for the crypto platform so i can withdraw my money. the amount i transfer was XXXX in few transaction. I already have all the proof of the scammer. the URl was XXXX. After they received my money, they suspended my account and now i try to contact them by email but no response. Please help me recover my money. I did try to talk with XXXX  but they did not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XXXX to XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. 
Thank you very much for helping me out. 

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

On XX/XX/XXXX, I disputed a debt with XXXX XXXX XXXX XXXXXXXX and requested information from them about the debt. I was told they only received an affidavit from the original creditor ( XXXX  XXXX ) and did not have any other information, including contact information. I was told the debt started in XXXX of XXXX and payments were received for 10 years but they did not have documentation to support this claim. I informed them I was disputing the debt and was told that they would sue me and call my employer and tell them of the debt and request that they garnish my wages. About 10 minutes later I get an alert that a new account was reported to Transunion, which turned out to be XXXX XXXX XXXX XXXX. I disputed the debt with Transunion immediately. After several weeks, Transunion said they verified the debt and it was accurate. I called Transunion on XX/XX/XXXX and asked them what information was verified and what was their process for verification. I spoke with XXXX in XXXX and XXXX in the US and was told they verified the name and address of the collection agency. I asked for specific details that the debt was verified and was told that once they verify the name, address, and phone number of the collection agency that verifies the debt. I again filed another dispute with Transunion. I am outraged at Transunion for not verifying the debt and allowing this fraudulent company to report a debt without verification. This debt has not been reported to XXXX or XXXX, only Transunion.
Product: Credit reporting

Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX XXXX Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
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 computer science, 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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX