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

Trans Union received my dispute regarding FCRA 602 which states I have a right to privacy and FCRA 604 ( a ) 2 ( ) which states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and Trans Union acknowledged receipt on XX/XX/XXXX then on XX/XX/XXXX they requested my identification that I already sent to them at least 3 times already 2 times via USPS regular mail and uploaded via CFPB at least one time already and will upload it again in this complaint. 

In accordance with FCRA 611 ( a ) ( 1 ) ( A ) Trans Union has FAILED to conduct a reasonable investigation in 35 days and is compelled to delete : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to report an unauthorized credit card account listed on my Equifax credit report. The accounts XXXX XXXX  account number and XXXX XXXX  account do not belong to me, and I have not applied for or authorized these two accounts. 

I am currently under mortgage underwriting, and it will affect my escrow close, or, even worse, I could lose my earnest money deposit.

I have already attempted to dispute this with Equifax without success. I request your assistance in resolving this matter promptly to ensure the accuracy of my credit report and protect my financial well-being. 

Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. It is so much incorrect information that is being reported to third party consumer agencies. Online credit applications and bank accounts that were open online. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX absolute recovery XXXX XXXX
Product: Debt collection

This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from XXXX XXXX XXXX XXXX saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , Transunion and XXXX . I have not heard anything back about these negative inquiries are derogatory creditors.
Product: Checking or savings account

My company has decided to move our XXXX account from XXXX XXXX to XXXX. They are starting with XXXX  on XX/XX/year>. I completed a transfer form so that my new account would have my money. I was never informed and was not aware that XXXX charges {$25.00} to move the money and close the account. I have looked all over the website that I have available to me and the only disclosure I found recently is an instruction sheet that states that a closing fee " XXXX '' apply. Not will apply and there is no XXXX XXXX XXXXXXXX and XXXX XXXX XXXX published anywhere. I feel this is very unjust and excessive so that I can continue using an XXXX account with my company 's High Deductible plan. I consider this to be a " junk fee ''.
Product: Consumer Loan

I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.
Product: Debt collection

A letter was sent to me in XX/XX/2022 to my previous address. It was from a law firm, Magguilli Law Firm , PLLC from XXXX, NY attempting to collect a {$1500.00} debt on behalf of XXXX XXXX XXXX XXXX. They wanted me to contact the Law firm and to make a payment through their website XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXXXXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXXXXXX XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021, I mailed letters to the credit bureaus requesting verification of a derogatory account that is being reported on my credit reports from XXXX XXXX, alleging that I owe {$2700.00}. I have disputed this account multiple times and provided SOLIF PROOF that I 100 % do NOT owe this debt ; however, the credit bureaus have repeatedly claimed that they " verified this account as accurate. '' Therefore, in XXXX of 2021, I physically mailed letters to the credit bureaus, exercising my rights under the Fair Credit Reporting act, requesting that the credit bureaus provide me with the METHOD OF VERIFICATION that was used for supposedly " verifying '' this account as " accurate. '' I specifically requested a copy of the original contract with my signature for this account. This was NOT done. Upon Experian 's receipt of my letter, all that they did was open yet another dispute, which was NOT what I asked for, only to, once again, claim that they " verified the account. '' XXXX did NOTHING. They did not even respond to my letter and it has been WELL over 30 days, which is the required timeline to respond. XXXX did the correct thing and immediately deleted this account from my XXXX report, so now I am left dealing with Experian and XXXX, who have failed to honor my request and have officially VIOLATED MY RIGHTS UNDER FCRA by failing to provide me with the very specific information that I requested. In addition to this, both of these bureaus have repeatedly ignored the evidence that I have provided, which serves as SOLID PROOF that I do NOT own XXXX XXXX a single dime and that this account is being FALSELY and XXXX  reported. Since XXXX and Experian have failed to respond to my XXXX verification letter within 30 days ( it has now been 2 months ), they are required to IMMEDIATELY DELETE this account from my credit report. If this is not done, I have already secured a consumer attorney and will be filing lawsuits against Experian and XXXX and will be seeking monetary damages for violating my rights under the Fair Credit Reporting Act. Also, please see the two documents attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more than 4 days since Equifax received my dispute letter on XXXX XXXX 2023 and I have not gotten a response stating they received my dispute and started processing it here is my certified tracking # : XXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 instructions
Product: Student loan

XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me
Product: Mortgage

NOTICE OF LITIGATION - On XX/XX/XXXX, Nationstar failed to correct lines XXXX in their internal systems transaction history, to which claims Nationstar collected XXXX allocated {$11000.00} for 196 late fee payments at the contractual rate of {$56.00} per month for 16 months that Nationstar serviced XXXX XXXX. The counsel for Nationstar wrote the CFPB XX/XX/XXXX, falsely stating he had sent the internal payment history to me on numerous occasions ; however, this internal transaction history had only been disclosed once to me on XX/XX/XXXX along with XXXX other " reports '' that didn't disclose actual payment allocation in lines XXXX. Allegedly, the payment history was updated '' as claimed by this attorney XX/XX/XXXX. Subsequently, I sought error correction when I rediscovered this material and negatively reported an error in payment allocation still existed sent by this attorney on XX/XX/XXXX, and Nationstar has failed to correct the error negatively reported as XXXX current payments on an XX/XX/XXXX Verification of Mortgage and previously over 6 years in my credit files, along with failing to correct the amount held in suspense originally collected for unearned never performed services, still held in an open suspense account to this day causing XXXX XXXX to continue to own the loan 8 years after the mortgage was released. Please find the litigation occurring and supplemental evidence of these claims attached, to be heard in XXXX XXXX XXXX XXXX with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is habitually late in reporting XXXX  balance. They are still reporting a high balance when I paid my bill in full. This is affecting my score. 

Acct # XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX failed to provide me written verification of the debt from XXXX. Using public record is not enough. If they can not provide proof then the time must be deleted off my credit profiles.
Product: Debt collection

My daughter who was then over XXXX went to urgent care and signed in ; they even have the form. It was a type of workers comp injury from being a XXXX on which there is a WC case ( they also failed to check her a concussion not even doing a form as the neurologist says they should have but that is another story ) .. They billed me on my account ; I wrote them several times, not my bill, bill her separately and we can send it on to the wc and other insurers, Then when I paid on my bill and marked it was my bill only, they applied it to the charges that were not mine. They dunned me and sent it to an outside bill collector. when I sent a cease and desist letter, do not contact, he then sent me a new demand for payment .Others on XXXX have complained of questioned collection and billing tactics. Even when I wrote the head of the urgent care on XX/XX/XXXX, there still was no correction They even added a debt collection fee. They actually owe me a refund of {$24.00} which I demanded on XX/XX/2018 where through my bill pay I overpaid my bill. They also retaliated and when I complained pulled out an old bill on which the statute of limitations had ran and where I had disputed it and recalled even sent a payment in full payment. I wrote both the collector and the creditor, even sent a copy of the cease and desist statute and there was no correction or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Consumer Loan

This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice
Product: Credit card or prepaid card

About a week and a half ago the credit card payment atm are my card and I called to get a new one and it never came in the mail it was supposed to be by XXXX XXXX it was a capital one sponsored quicksilver card XXXX I think XXXX
Product: Debt collection

Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.
Product: Debt collection

The debt has been sold to National Credit Adjusters, from XXXX XXXX. The alleged owed amount is {$810.00}. The debt fell off of my credit report due to the age of the debt. The debt is approximately 7 years old. The Texas statue of limitations for a debt is 4 years. I am past the limit. However, they are harassing me calling my job. Leaving voicemails. When I answer the worker hangs up in my face and gets very aggitated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company over the phone agreed to consider this matter resolved and settled in full if I paid {$1700.00}. Incorrect information still appearing on credit report.
Product: Mortgage

I was conned into paying {$500.00} to process a " loan pre-approval letter '' which was also being prepared at a very ridiculously high rate. The agent did not tell warn me of any upfront fees to process the said letter. 
I was advised to send some of my personal documents and complete some disclosure documents online and it was in these documents a payment authorization was hidden which the officer said to complete being part of the process. He sent me a notice which basically says the letter is still being processed. On detecting their scam, I immediately reached out and asked the process be stopped, canceled, and demanded my money be refunded to my account. The agent in question repeatedly ignored my emails and calls and even had the audacity to send an email asking me to send more personal documents to continue to facilitate and complete the process. I again re-iterated my wishes which he ignored. I disputed the charges with my bank but in the interim will warn others to be wary while dealing with this company.
Product: Checking or savings account

Bank of America overdrafted my account for {$300.00} on purpose to profit by charging a {$35.00} overdraft fee. The order was canceled and the merchant credited my account. Bank of America did not reconcile the transactions and charged my account again for {$300.00} despite the credit from the merchant just so the account would overdraft and change the {$35.00} fee.