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

In XXXX XXXX specifically between XX/XX/XXXX and XX/XX/XXXX, I submitted identification documents to TransUnion via USPS mail and the Consumer Financial Protection Agency. Specifically, I submitted a copy of my social security card, drivers license, birth certificate and bank statement in order to correct my name, last 4 of SSN, address and to dispute the validity of accounts. 

However, I received a post card dated XXXX  advising the documents I submitted were illegible, unacceptable because the bank statement was too old and not acceptable as proof of identity. Therefore, I mailed an updated bank statement dated between XX/XX/XXXX and mid XX/XX/XXXX. 

On XX/XX/XXXX I contacted TransUnion consumer dispute department by phone at XXXX for an update regarding my request. I was advised by the representative that my file was a mixed file and it would have to be forwarded to the maintenance department. Specifically, there were at least 3 individuals with my exact name, the social indicated on the report was confirmed invalid upon review of my social security card. Unfortunately, due to the holiday, the maintenance department was unavailable and that the representative would notate my account and someone would contact me via phone or mail. 

As of today, XX/XX/XXXX I contacted TransUnion again at XXXX for an update and I was advised that they would have to forward the file to maintenance because none of the information has been corrected. Therefore, I was advised to contact TransUnion in 5 business days for an update. The representative also advised that my account is notated to confirm the issue. 

I have submitted all requested information via mail and online and yet, all of my information is still incorrect. I have also reached out to listed creditors who have been unable to validate and verify my personal information linked to the said accounts. However, I will deal with those disputes individually after my information is corrected. 

To validate my complaint I have attached several documents, including complaint correspondence and my most recent dispute results alongside credit report.
Product: Credit card or prepaid card

on Monday, XX/XX/2001, I got a text from Macy 's card fraud asking me if I made a transaction in XXXX XXXX TEXAS for the amount of {$6700.00} I reply NO I DID NOT I call Macy 's and they said there were 3 attempts in Macy 's credit card and someone asks for a credit increase i said I did not well from Monday XXXX to Friday XXXX Macys charge to my account {$13000.00} which reflect also in my XXXX XXXX report i call several times to Macy 's customer services XXXX and they tell me different things every time I call my credit line was $ 7k with Macy 's i only own them {$800.00} .MACYS DO NOT ASK FOR A PHOTO ID WHEN YOU DO A TRANSACTION WITH THEM YOU ONLY SHOW Macys credit card and transactions go through any hacker can clone your card NO SECURE PLACE TO DO SHOPPING PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 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** 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The CCS Companies XXXX XXXX XXXX XXXX, MA XXXX Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all contact with me.

With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.

In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. 
15 U.S code 1692G validation of debts A fair resolution to this issue would involve Immediate removal of the erroneous information from my credit report.

Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ) GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Debt collection

CBC said I admitted that I owed t ty he amount that they had said on no phone. I agreed I was at hospital never saw a bill. They have things in reports that was in bankruptcy and been deleted but they keep putting it back on. When I didnt agree to what they would settle for the lady said well its going to be a much higher price then I took that as a threat. Im tired of dealing with them. Im a XXXX XXXX recipient and they are putting unnecessary stress on me because of there actions.the photos I sent. Have different dates on them. The one that was removed is still on there as if XXXX XX/XX/2021. It was in bankruptcy and they want me to pay the bill
Product: Vehicle loan or lease

Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?
Product: Credit card

On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.
Product: Credit reporting or other personal consumer reports

My student loans with XXXX were discharged ( paid in full ) on XX/XX/XXXX. XXXX, a XXXX at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/XXXX. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Transunion credit report, the debt was not updated and continues to reflect a balance. I contacted Transunion and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Transunion and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Transunion did not update the account to reflect a $ o balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Transunion again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Transunion, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay in updating my credit bureau reports continue to impact my financial status and continues to report negatively.
Product: Money transfer, virtual currency, or money service

Received a XXXX email saying my purchase was completed although I didnt make a purchase. When I called the number XXXX told me my IP address was public and I was scammed. She then told me to download, I believe XXXX, which I did and then go to Zelle. I made numerous transfers under the belief and instruction from here that I was doing the right thing. This occurred XXXX. The total amount was about {$14000.00}. I kept all of the emails, transactions and phone number to which I spoke. She then told me to go to 1 of a list of stores and call from the parking lot. When I did she told me to go inside and by 4 {$500.00} gift cards and give her the numbers on them. I told her she was scamming me and didnt by the cards. Upon arriving home she called again and said I cold get just 2 cards. I told her no and that I was going to contact the FBI. When I tried contacting the number again it was ( out of service ). I contacted my bank to try to get my money back but was told that because I voluntarily sent the Zelle transfers there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX inaccurate/not mine XXXX XXXX XXXX XXXX never late
Product: Credit reporting or other personal consumer reports

I have been trying to obtain my credit report for the last three months. I am unable to obtain it online or through the Experian app. May I please have my report mailed to my po box on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in chex systems due to some information being reported to Chex systems by. No one can tell me why I am being reported because the account is paid in full. They have never given an explanation of why my account was closed or anything. Now I can't open a bank account when the account is paid in full. My bank is out of state because I moved and now can not open a bank account here and no one know why.
Product: Debt or credit management

I needed to dispute a collection so I went to their website, but I kept getting errors. So I called their call center and I realized that they hired a company and they have no access to fix any problem. They are there to just answer the phone. They can't talk to anyone who fixes the website or investigates a dispute. 
A collection agency that held my account said, they updated my information on the XXXX XXXX XXXX XXXX, but when I called Transunion, an agent from TransUnion said, my collection agency didn't update my information. I don't know who is lying and who is telling the truth. 
Also, I don't understand the system and why millions of us rely on them for investigation and decisions. If people pay off their debt, it should be all over without any hassle. But because there are credit bureaus, people have to wait for a second opinion for no reason. 

I feel like I get treated no better than those who don't pay their debt at all. My credit is going to be still bad for a long time no matter whether I paid or not just because the credit bureaus dont allow me to upload my document and they will go through their own investigation. 

When what kind of investigation takes 30-45 days? They are not investigating something extreme cases. They just call the collection agency and ask if the balance has been paid or not. 

I wanted to talk with a supervisor or manager. The agent said, the supervisor will call me back so I waited all day doing nothing. There was no call. 

I feel like there is no way to dispute my collection after I paid {$4800.00}. They say I can mail my letter from my collection agency but what if it gets lost? And we live in 2024 and everyone has a phone. If I sent an email to them, it's almost instant. For some reason, they won't let me email my letter. 

All I want is for them to take off the collection, that has been paid and closed, from my history.
Product: Mortgage

Hello, I had a second mortgage with Discover and sold the property. The second had a pre-payment penalty before making 12 payments starting XX/XX/XXXX. The property was sold in XX/XX/XXXX.

I recieved a mortgage statement for XX/XX/XXXX that clearly states no pre-payment penalty on the statement.

I was charged a {$480.00} pre-payment penalty. I called discover and they told me that if I was refinancing I would not have a penalty. But selling the property I do have penalty.??? My paperwork says no pre-payment penalty after 12 months of payments. Which I did make. This is rubbish trying to pass the buck based on tricky language. Either you have a pre-payment penalty or you do not. I did as my paperwork said, and reflected on my most recent statement. Please send payment to me accordingly.
Product: Debt collection

XXXX/Wells Fargo can not veriFYI this debt. I have called and sent letters requesting payment history an all relevant information regarding this account and had been ignored. .Yet, they continue to report to the XXXX Crdue Bureau monthly. This debt dies not belong to me. Please remove from my account immediately, as this is impacting my life.
Product: Debt collection

I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account I opened with wells Fargo on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted wells Fargo by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from wells Fargo until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from wells Fargo to this complaint. ) I received an email from Wells Fargo Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that wells fargo did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher wels fargo is required to provide proof to justify this reporting all I received was a canned response.

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so wells Fargo to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights.

I also contacted wells Fargo by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2020 were said to have been placed upon rear of loan. In addition to this assertion a payment in excess of the normal payment due was remitted and posted within 28 days of due date during the month of XX/XX/2020. With the understanding that no such payment was due this was to be applied to interest. 

The online portal, mobile app and service representatives advised that this was underway. After seeing it reflect negatively on my credit profile I contacted again and was advised this was human error coaching sense provided. 

They also confirmed on a recorded line in excess of 6 times with CRA 's and myself that this was to be corrected and submitted within 1-2 billing cycles. This assertion was the only reason I continued to give this company my business with my new loan since the loan above has long since been paid off. This correction never came and they have cost me over 7 tradelines, thousands of dollars, years of impact for which I intend to seek every remedy available to me. 

Despite countless calls, emails, letters and many assertions for which many witnesses were present now their executive office is backpedaling saying they won't correct and that reps misspoke how is that my concern as the customer???

At no point prior to this time in question have I ever been late, at no point since have I ever been late to include new loan or any of the other 6 paid off autos in the last decade which is easily verified. I have not been late with any creditor and this company has destroyed my families livelihood. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of these people work for your company some are executives and they advised this was your error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was 30 late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, XXXX, and Transunion as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.