23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against TransUnion for its failure to accurately report and properly investigate disputed information on my credit report. The following accounts are being reported inaccurately : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Numbers : XXXX and XXXX I have disputed these accounts multiple times with TransUnion, requesting that a thorough investigation be conducted and that these inaccuracies be corrected or removed from my credit report. However, despite my repeated efforts, TransUnion has refused to conduct a complete and proper investigation, and the inaccurate information remains on my report. 

This negligence not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also has the potential to cause significant harm to my creditworthiness and financial standing. 

I am requesting that the CFPB intervene in this matter and ensure that TransUnion conducts a full and accurate investigation of these disputed accounts. If the accounts can not be verified or corrected, they should be promptly removed from my credit report. 

Thank you for your attention to this serious issue.
Product: Mortgage

USAA with Mortgage service company XXXX took a double payment with transaction record date of XX/XX/XXXX. I realize when I went to make my payment on XX/XX/XXXX for my XX/XX/XXXX due date it showed I owed nothing until XXXX. When I looked at the transaction records it indicated a double payment for different amounts then reversed then applied to the XXXX payment all for the same XX/XX/XXXX transaction date. This was NEVER brought to my attention as they explained their system did this AUTOMATICALLY with no knowledge of any USAA or XXXX personnel. My Bank account had $ XXXX removed and NOT returned until in XXXX when I brought it to their attention, then they still made more mistakes until I had to contact the President/CEO office of USAA to have them step in with their contracted service team. 

It appears there is a programming issue with USAA / XXXX mortgage in the automatic processing and NON NOTIFICATION to the consumer/owner. 

In essence they STOLE $ XXXX from me which is a FELONY in most circles yet NO ONE took ownership of the error or knowledge of it. 

Their SYSTEM needs a FULL AUDIT conducted as they also could not confirm if this was isolated or other customers had been affected. 

I want a FULL inquiry and report of the findings provided so they don't just push it under the rug and not make it public knowledge for any potential future class action lawsuits due to their mismanagement/oversight of their processing. 

XXXX XXXX - ID # XXXX, Supervisor - XXXX XXXX, Managers - XXXX, XXXX, XXXX, XXXX XXXX at the XXXX TX XXXX XXXX, and XXXX at the CEO office need to be investigated and define their roles in this issue with XXXX at the end working to resolve but not providing results of internal breakdown and how I can be guaranteed that it will not happen again.
Product: Bank account or service

Chase Bank put a check on hold because I " have a short account history and few deposits '' which is absolute XXXX because I was actually a Chase banking customer for many years when I lived in XXXX -- and, frankly, people move and I have never experienced a bank holding checks for ANY reason, anyway ... 

NO ONE EVEN NOTIFIED ME THAT THE CHECK WAS PUT ON HOLD so this could have resulted in overdraft fees that I 'll take a wild guess Chase would have refused to refund. Chase took a course of action that I 'm calling out as an attempt to fraudulently gain more fees from me. 

When I called the bank, the representative would not clearly explain WHO put the freaking hold on the check and her supervisor 's best excuse was that the system 's algorithm told them to do it ( in far less intelligent wording ). Well, I have a XXXX and used to work in XXXX, so that 's a XXXX answer if I 've ever heard one. There are REASONS an algorithm is programmed to take certain actions. 

I have never had such issues with a bank, and this is completely unacceptable. 

I should not need to go to the trouble of finding a new bank and transferring everything over just because Chase is XXXX with me. I 'M XXXX, BUT FRANKLY WHEN THERE IS NO ACTUAL REASON FOR BEING DISCRIMINATED AGAINST IN THE FINANCE INDUSTRY, THAT 'S *ALWAYS* WHAT IS ACTUALLY HAPPENING. THIS XXXX WILL TAKE HER BUSINESS WHERE SHE IS WELCOME ... ( AND ENCOURAGE HER MOTHER TO MOVE OVER {$200000.00} IN CHASE STOCK ELSEWHERE IMMEDIATELY )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I have supplied proof under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  deleted a account from XXXX XXXX but didn't increase my credit score.
Product: Debt collection

In calling SOUTHERN MANAGEMENT SYSTEMS XXXX yesterday, XX/XX/2019 at XXXX XXXX   operator did not want to assist me in a well and professional matter. She answered very rudely, I explained that I am a XXXX XXXX with a non-profit organization and this female operator abruptly answered very rudely saying that this agency doesn't communicate with 3rd parties and hung up the call. I called once again to clarify details and that my client was present and wanted to speak with a XXXX speaking rep. Using a very strong and rude tone she says that member needs to call from private number in order to get services and then she hung up on me again. I do not deserve to be spoken to in that matter, I was disrespected and offended. My client got very upset as to why this agency couldn't assist since she only speaks XXXX. Once my client called from personal cell phone number, the same female operator didn't want to transfer her to a XXXX speaking rep since operator believed that my client was speaking descent English. I believe she was discriminating my client and not providing well customer service. After my client persisting to speak with XXXX  speaking rep, she was transferred. Today, XX/XX/2019 at XXXX XXXX I wanted to put in a complaint with them directly. Apparently my work phone number has been flagged, I called and no respond was given and call was hung up. I made a second call, same female operator from yesterday answered and I initially asked to speak with management, she asked if I had an account there and I said no. Operator right away asked for my name and number and states " Aren't you the same person that kept calling many times yesterday? ". She was rude once again and said there is no manager available to assist me. I would like for someone to take a look into this matters. Since this agency does record phone calls, I suggest for an investigation to be done. This operator doesn't seem qualified enough to carry a respectful and professional conversation. If she is treating clients on the phone this way, it only causes them to not want to come in contact with agency. Please have this in your consideration, no one deserves to be disrespected or discriminated like this female operator did to myself and my client.
Product: Credit reporting or other personal consumer reports

Subject : Dispute XXXX Experian for XXXX Under 15 U.S.C. 1681o To Whom It May Concern, I am filing a formal dispute against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, regarding civil liability for noncompliance. This dispute stems from Experians failure to properly investigate and correct inaccuracies in my credit report following my formal dispute submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In my initial dispute to Experian, I specifically requested that they investigate the reported inaccuracies that I requested, as included in the attachments. Despite providing sufficient evidence supporting my claims, Experian has failed to take appropriate corrective action, violating my rights under the FCRA. 

According to 15 U.S.C. 1681o, Experians failure to comply with its obligations has caused actual harm, including but not limited to : Inaccurate reporting affecting my creditworthiness Denial of credit or unfavorable credit terms Emotional distress and undue financial burden I am requesting that the CFPB investigate Experians non-compliance and enforce corrective actions, including any applicable penalties. Additionally, I am seeking full compliance with the FCRA, including the immediate correction of my credit report as outlined in my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute. 

Additionally, on XX/XX/XXXX, an unknown assailant applied for credit in my name with XXXX XXXX XXXX XXXX XXXX Credit Card XXXX This inquiry and many more appear on my credit report, and have affected my credit score. I have also asked XXXX to delete multiple erroneous hard credit inquiries, to which they have neither investigated or removed. Please also add this to my complaint. Due to this Identity Theft, I recently added a Credit Freeze on all of my three major credit bureau reports, as well as an ID Theft Fraud Victim alert, and have made a police report ( Report Number XXXX ) with XXXX Police Department in XXXX, NV, as well as a report with the XXXX Postal Service ( Reference Number : XXXX ). 

Enclosed, please find copies of my original dispute letter, supporting documents, and Experians response ( or lack thereof ). I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Received a phone call on my company cell from what appeared to be a local number. 
When I answered the call they wanted to know if I was " my name '' with a birth date of xx-xx-xxxx and the last 4 of my ssn was xxxx. 
I asked who they were and what the call was about. The caller refused to tell me who they were with out me verifying my personal information, so I promptly told them this was a scam and goodbye. 
The caller then called my company cell phone from a NY number and then called my company work phone from a third number. Harassing me to answer the questions. 
I only answered that I was the person they were asking for and explained if they had just told me who they were in the beginning, I would have not hung up. 
The caller proceeded to tell me about a alleged debt in my name and provided 3 different source names for the original debtor, then proceeded to ask me to take care of the debt today, when I told them that was not possible and I would need something in the mail and wanted to verify the debt, the caller became very angry and said I owe this debt and should pay it. The caller asked if I could make payment arrangements and I said again, once you mail me the proof of the debt and if I verify the debt is valid then I will make payment arrangements. The caller proceeded again to ask me if I had the funds to take of this today in a harassing and rude manner. 
The caller then tried to verify my email address, the first one the caller noted was not mine, however the second one was.  I verified the second email address and the caller stated they would email me the notice and NOT mail it to me. 
I still have not been provided with the proof. 
The caller sent me the email and said I had 24 hours to decide and they would call me again.
Product: Debt collection

this was under student loan forgiveness program. 
was told it would be removed. I am on XXXX
Product: Credit reporting or other personal consumer reports

These problems with the reporting accounts started back in XX/XX/XXXX where I disputed these accounts with all XXXX credit bureaus. This led me to file a report regarding Identity Theft. I understand that Equifax has experienced a data breach and that my information due to not being verified and validated from disputed accounts XXXX also fall under this purview. I am asking that all information in dispute be removed from my credit report. 

XXXX XXXX XXXX XXXXXXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX Bank Acct XXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX Bank Acct XXXX Start XX/XX/XXXX {$XXXX} XXXX, XXXX XXXX Start XX/XX/XXXX {$XXXX} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} XXXX Acct XXXX Start XX/XX/XXXX {$XXXX} Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$270.00}
Product: Checking or savings account

In response to my previous complaint, company has instituted overdraft protection without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB paypal XX/XX/2021 hard inquiry fraud inquiry never applied for this credit/loan
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX a formal complaint was mailed to transunion to go over a account that was on my credit that i had no knowledge or have I dont business with. I have yet to receive any communication that my dispute would be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX I send Certified mail ( see attached ) to Trans Union requesting they investigate the accuracy and provide the method they used to verify along with the contact information of the representative they spoke with to obtain the documentation used to verify the items they have listed on my Consumer file as Charge-off, 30,60,90 etc days late, Public Records : Bankruptcies, Included in Bankruptcy etc. 

Instead of providing the information or removing the unverified accounts & removing the inaccurate & unverified account statuses Trans Union ignored my request stating they verified the items ad accurate, dismissed my request by claiming I did not personally send a dispute and called my request frivolous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Date of service XX/XX/XXXX. I received numerous bills from XXXX XXXX. I contacted their billing office and reconfirmed billing information that my primary insurance was XXXX my secondary insurance XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX billing. They said ok to hold off on payment until they billed XXXX. Received same bill again/ called again and the billing office said they would follow up and bill XXXX.. they had not yet billed them. OK to hold off payment. 
On XX/XX/XXXX Cornerstone XXXX XXXX issued two debt collection letters. My mail was held until XX/XX/XXXX as I was out of state. I first saw this debt notice on XX/XX/XXXX. I called Cornerstone XXXX on XX/XX/XXXX and disputed this debt. I advised that XXXX XXXXXXXX had said that they would bill my secondary XXXX XXXX XXXX XXXX XXXX XXXX XXXX insurance BC/BS and asked collector to double check with the medical provider to confirm bill was still owed. Collector refused to do that saying it wasnt her job. She said she assumed XXXX had not paid because it was sent to collections. I told her I thought she needed to double check to see if bill paid. She said at beginning of call that she had lots of accounts from XXXX XXXXXXXX. I said sounds like their billing is messed up. On XX/XX/XXXX I called billing at XXXX XXXX and spoke to XXXX. She put me on a long hold for about 25 minutes. She then reported my bills had already been paid in full by XXXX and shouldnt go to Collections I repeated that they already had. I asked if she would notify Cornerstone XXXX and she said she would. My complaint is about XXXX XXXX for repeatedly trying to bill me and referring my bills to Collection when bill was paid. Also complaint that Cornerstone XXXX refused to take any action to verify was valid debt for unpaid bill. Before sending collection letters, Cornerstone XXXX should verify that the debt is indeed valid. This was not valid debt. Bill was paid in full. Was wrongly referred to collections,
Product: Prepaid card

Hi Im trying to get seirvcr with us direct express there and the dept called us card advocate dept is refusing to pick up the phone and emails wont get back to me so I can file a complaint and dispute with them I need some help and additional assistance to see why my id got declined there XXXX wants me to have service with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$15.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Product: Student loan

I consolidated all my loans in XXXX for public service loan forgiveness. This was done and all XXXX loans were consolidated. Mohela stated in XXXX that I had multiple loans not consolidated and to contact a company called XXXX  who deals with loan consolidation. I contacted them the same day XX/XX/XXXX and they stated they had record of all loans being consolidated but they do not have any loans currently to consolidate. Mohela is claiming they do not consolidate loans and I need to contact XXXX  but they do not have any information regarding my loans that I am trying to consolidate. These loans appeared randomly on mohela and I already consolidated them.
Product: Debt collection

Midwest recovery systems showed up on my credit report in XX/XX/XXXX for {$1200.00} from XX/XX/XXXX I have not lived in Missouri for over 15 yrs. and I have no outstanding debts in Missouri. I want this removed from the credit bearau.
Product: Vehicle loan or lease

I had a pre-approval from capital XXXX, I went and purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX XXXX  XX/XX/XXXX. A few days later i took car back because performace on vehicle didnt stand up to what i wanted. Couldnt return only trade but couldnt find nothin. On XXXX of XXXX I tried to return car to capital one because it was just sitting not being driven. They told me I couldn't return car because it wasn't In delinquent status. So in XXXX I was driving heard a noise and lost control and wreck. The car was towed to a impound lot in XXXX XXXX. I called capital one and advised them.. So i was going through a insurance claim investigation to see if I or vehicle was at fault to pay claim. So from XXXX until middle of XXXX car was in impound. I contacted capital XXXX plenty of times hey insurance is still under investigation if u can't wait the vehicle is here you can go get it. They never went and got it. So Finally middle of XXXX insurance company accepted claim. They paid the impound lot and had it towed to a shop to get the wheel issues fixed. I picked it up and shopped around for a body shop. Finally middle of XX/XX/XXXX I found a body shop in XXXX, ohio. I advised captial XXXX of everything. So Finally in XX/XX/XXXX the body shop called and said the vehicle was ready bit still waiting on further parts. I kept in contact with capital one during this whole process so come to find out they charged vehicle account off and offered a settlement. Oh was I mad because u could've just got the vehicle back wrecked. So now I can't get a car loan without a cosigner. Capital XXXX will not remove this charge off and the account is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX cra violation no knowledge was taking off years ago not coming back as debt collection sent police report violation of the cra to help consumer with this remove it XXXX and experian can not stop making mistakes its destroy my life
Product: Debt collection

Made a payment to the original company. 
few hours later got a phone call from SIMM associates looking for me. 
They required address and DOB for the nature of the call. 
I refused the first time and they hung up the call. 
Decided to call back because they knew my name and gave information because they told me they had the information they just needed to verify. 
Told SIMM associates I made the payment earlier that day. 
The associate asked if they were allowed to call back if they did not receive the payment. 
I said if the debt is paid dont call me back and erase my records from their system. 
Decided to call the original company and asked if SIMM associates were actually the debt collector and if they have been notified by the original company. 
The original company states SIMM associates was notified by the original company the moment my payment was received. Got the reference number to call regarding this conversation from the original company. 
Called SIMM associates back and told them they should have received an electronic notification from the original company and that the notice was sent out immediately. 
The person on the call told me that what I said is " not true '' and that it usually takes 2-3 days. Is this a violation since they are calling me after my debt had been paid off. And why is an electronic notification not instant?