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

TransUnion reinserted an old Child Support Case on my consumer report without notice, further more, it states on the Transunion website itself that it can not report Child Support because it did not originate from a credit transaction, nor did I give them written consent to publish any information in regards to that closed case, this information is inaccurate, false, and misleading, and is in violation of the Fair Credit Reporting Act. Also, to post any information in reference to this resolved matter, TransUnion would also need written consent from the Court said case was filed in. I challenge TransUnion to produce any document with the courts consent, or my written and notarized consent. If not this information must be removed from my consumer file, as it is inaccurate, False, Misleading also TransUnion is Guilty a Third time of Violation of the FCRA. I will also be seeking civil damages for being denied a line of credit from my credit union as a result of this. 
{$1000.00} per violation and there are many in this case. TransUnion own website states they cant report this .Remove this information immediately.
Product: Credit reporting or other personal consumer reports

For almost a year i am not be able to login into the free Experian website because I have been a victim of identity thief for years. I have been fighting to clear my name. But Experian continues allowing these criminals to change my personal information even to open a paid website account. I have placed a credit freeze which gets removed the next day by the thief since they have my personal information. We have created PIN numbers to protect me and they still bypass the verification. They take out loans and multiple accounts. I have contacted Experian multiple times and they continue to let these criminals change my information and get access to my credit report. They ask me to mail information and they don't ask the criminals to mail them anything when I am the real person. They keep telling me that they will escalate the issue and someone will call me but nothing I can't login into the free membership but they let these criminals remove the freeze, the fraud alert and change my personal information even when they a written request from me asking to not let anyone change my personal information unless is in writing with a proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN I PREVIOUSLY DISPUTED THIS COLLECTION ACCOUNT AND IT WAS CONFIRMED TO BE REMOVED, HOWEVER IT CAME BACK UNDER ANOTHER COLLECTION COMPANY NAME : XXXX XXXX XXXX XXXX NUMER XXXX DATE OPENED XXXX XXXX, XXXX
Product: Debt collection

I was informed of a collection account with ERC through credit karma after it was reported to the credit bureaus. I received no phone call, no email, nor did I receive a letter in an attempt to notify me of this account before reporting to the credit bureaus. The account itself was wrongfully opened by a telecom company who did in fact receive their returned equipment. In my attempt to reconcile, their agents were aggressive and condescending and lied about tactics used to establish contact
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Subject : Complaint Against Capital One Regarding Reporting Inaccuracies and Lack of Assistance During Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting on my account # XXXX. Capital One has reported three consecutive months of late payments for XXXX, XXXX, and XX/XX/2023, despite my efforts to make partial payments due to unforeseen financial hardship that significantly affected my ability to meet the minimum payment requirements. 

During this challenging period, I communicated my financial hardship to Capital One in XXXX, XXXX, and XX/XX/2023 and attempted to manage my payments to the best of my ability, albeit below the stipulated minimum amounts. Regrettably, Capital One did not provide meaningful assistance or accommodations until three months later, offering a lowered payment and interest rate, which could have significantly alleviated my financial burden during the critical months of XXXX through XX/XX/2023. 

Enclosed with this letter are documents supporting my claim, including communication records with Capital One and financial statements demonstrating the hardship I faced during the disputed period. These documents serve as evidence of the challenges I encountered and my attempts to manage my obligations during this time. 

I believe Capital One 's delayed assistance and inaccurate reporting violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX Reform and Consumer Protection Act, which safeguard consumers from unfair treatment and inaccurate reporting by financial institutions during times of financial hardship. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I am seeking a fair resolution that includes a review of the inaccurately reported late payments and the lack of timely assistance provided by Capital One when I struggled to meet my financial obligations. 

I appreciate your prompt attention to this matter and kindly request updates regarding the investigation 's progress. I am willing to provide any further information or documentation necessary to facilitate a swift resolution. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We applied for a pre-approval in XX/XX/XXXX with XXXX XXXX 's Company under American Financial Network. We received our pre-approval letter from one of XXXX 's account managers. Her name is XXXX XXXX. We originally wanted to go with, what they disclosed to be a first time home buyers grant that would account for 3.5 % of the home purchase price for a down payment. Come to find out later it that we only would qualify for this if the seller contributes to the closing fees. This was not disclosed to us up front. After that, she advised that we put down the 3.5 % ourselves, within the FHA program. She never considered that a XXXX conventional loan would be a better fit for us provided our good credit and income. A GFE or Loan Estimate was promised to us but never sent. We never felt comfortable in going with them as we felt they weren't being completely honest. On XX/XX/XXXX, one of her underwriters called asking for more information, I kindly informed him that we were looking at other lenders that would provide a better interest rate through a conventional loan. She then immediately emails me back stating the following. 

" I just called and left you a message. XXXX on my team let me know you are shopping with another lender for conventional financing, which is what we can offer too. Please note, your credit scores will drop if you allow other banks to run your credit which can hinder your financing. 

Please let me know what is going on, so I can reach out to XXXX as I went through questions and verification for your offer to be accepted '' Note, this statement about our scores dropping is untrue and she may be in violation of the dodd frank laws. This was a scare tactic in order to keep our business. This was poor form and bad customer service. My concerns is that XXXX contacted the seller 's realtor in efforts to jeopardize the deal.
Product: Credit reporting

A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint on XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX  XXXX NY XXXX and an alleged balance of {$1700.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was closed on the date of XX/XX/XXXX and the five years of statutes of limitations for reporting a balance has past in Kansas on XX/XX/XXXX and they are failing to report it accurately with a balance of XXXX. They are also have a debt collection agency called N.A.R try to collect the debt as well. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information on the account longer and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX  circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX F.Supp. XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX  also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with recent CFPB against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
Product: Credit reporting

I signed up to dispute my accounts but after multiple attempts Experian 's website just keeps sending you to a page to pat more and it 's to mail in for a report vs dispute what you have online. The phone numbers do n't allow you dispute anything.
Product: Checking or savings account

On XXXXXXXX XXXX,2020, I woke up to my Chase Checking account with a hold of negative XXXX XXXX dollars. Its been over 32 months and chase has given me the go around and would not tell me why i dont have access to my account. We were in a middle of a pendemic, my stimulus checks, unemployment money and all of my savings were in that account and Ive been evicted for not having access to my money and got behind on bills. Ive called their customer service, levees and court, and received no help aside from try again tomorrow. 
Im in need of that money as soon as possible. 
XXXX XXXX
Product: Debt collection

there are several different accounts that are not made by me they are still on my credit report i sent over the items two months ago and they are still there this is all apart of 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 this is all fraud
Product: Mortgage

I am having difficulty receiving my year end statement, and PNC has refused to provide me online access to my mortgage account or financial information. 

I received an email from USPS Informed Delivery that it was to have been delivered last Friday, XX/XX/2023, but it hasn't arrived. I have reported it as missing to USPS as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX Balance : {$0.00}
Product: Student loan

Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information is incorrect with so many variations of my name that does not belong to me.
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 items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for 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 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 found unauthorized inquiries on my credit report today, which I can't explain. When I reviewed my report as I always do, I noticed discrepancies that were not there before. Thinking it might be a browser issue, I refreshed the page, but the problem persisted. I am requesting that my submitted documents be carefully examined to resolve this issue immediately and give me peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.
Product: Mortgage

I ( XXXX XXXX ) is filing a complaint against Morgan Chase Bank the loan department fell to inform me about information on " Good Faith Deposit '' I was previously told by ( XXXX XXXX ) that this {$500.00} dollars deposit was for to lock in my interest rate for the home XXXX XXXX XXXX XXXX Ohio, XXXX then I was later told on XX/XX/22 thar this deposit was use for the appraisal of the home. XXXX XXXX never explain it until XX/XX/22 all the information they wanted was submitted in reasonable time. My closing date for XXXX XXXX XXXX was set for XXXX XXXX  days later
Product: Credit reporting or other personal consumer reports

please remove these account from my credit report which is listed in the FTC and letters In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that a company called " XXXX XXXX '' checked my Transunion credit report on XX/XX/2022. I did not apply for credit anywhere in the month of XXXX and I have never heard of or done business with XXXX XXXX. My credit file has been mixed up with others because of the complication in the spelling of my name and this may have been the case in this situation. I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still accounts that need to be removed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX