23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have tried 3 times, supplying the documents needed to get my mortgage escrow set-up to pay my HO insurance. This should have been done at account origination. The company is United Wholesale Mortgage. Their documentation and follow-up is not that of a regulated company. I have supplied what they needed electronically with proof that they received, then the next agent tells me they never got the documentation. Just plain sloppy.
Product: Student loan

I have tried making a payment online, Nelnet.com, for my student loans. I had done this since XX/XX/23. Today is the XXXX attempt at making a payment, and each time a few days later, i get notified that the payment was returned. I have a late payment notification and this is going to affect my credit. I have called, been on hold for XXXX minutes, and the issue has yet to be resolved.
Product: Debt collection

Capio bought some old debt from XXXX. When they reported it to the credit bureaus it was listed as a new collection from XX/XX/XXXX instead of the original date. This is from a hospital where I did not receive adequate medical attention yet still received a full bill, despite having insurance. Aside from the cause of the debt, the date should be reflected as XXXX.
Product: Credit card or prepaid card

i been on hardship because havent work in some months, so penfed closed my account and now sending this letter about suing me with their lawyers.i have reach out to them about this account to keep it in good standing.
Product: Consumer Loan

To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues. 
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.
Product: Payday loan, title loan, or personal loan

On the XXXX of XXXX I Revoked my permission to deduct payments from my bank account and requested that all EFTs and debits be stopped from my bank account and I provided all required information in my request per my loan agreement. I then received an email a couple of days later after going back and forth with them ( because I know my rights ) and they stated that my request has been completed. All of a sudden, a payment was deducted from my already negative bank account today without My permission. I expect my loan and the unauthorized payment to be returned and my loan to be canceled as they have violated the terms of our loan agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for XXXX, XXXX, and XXXX investigate accounts on my credit report, The investigation took well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Trans Union is reporting my Experience with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and me. The balance I have with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and me is characterized as utilization on my consumer report Trans Union is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has attempted to remove the balance section. Trans Union keep putting the balance back on my consumer report
Product: Money transfer, virtual currency, or money service

I was given a check for XXXX, it cleared my bank and then when I sent 2 payments of {$500.00} to XXXX app and XXXX the check was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic XXXX Credit Plus XXXX Credit Plus XXXX Partners Cre XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 my computer was compromised from scammers that posed as XXXX Customer Service. They asked my assistant to install software to share a screen on my computer and from there, were in my computer, taking all of my files and logging onto my Chase.com bank account. They sent a wire transfer of {$21000.00} from my Chase business account to their account at XXXX XXXX and then onto XXXX XXXX XXXX XXXX I luckily caught the whole thing 20 minutes after it happened and immediately called Chase 's claims department to ask them to freeze the account and stop payment. They froze my account and filed a claim, but NEVER contacted the scammer/hacker 's receiving bank to tell them to reject payment. They simply filed a claim and never took further action. This was negligent. They should have taken further action and the wire could have been stopped since it was caught so quickly. I kept calling Chase to follow up about the situation and I was told that my claim was denied because " I benefited from the funds. '' Their claims department had noted that {$21000.00} was a fraudulent wire ( which it was ) AND that another wire that I do everything month for {$7200.00} was fraudulent ( but it wasn't fraud and I never said it was on my call - and they just accidentally included this in their claim report. ) When I called to show them the police report which I filed immediately and tell them the entire story they kept me waiting and waiting for weeks. I also told them that their claims department marked 2 wires as FRAUD, but only one was and that I needed them to only investigate and look into the {$21000.00} fraud wire to XXXX/XXXX  and to correct THEIR mistake immediately. I finally asked to be transferred to the highest office - the executive office and Mr. XXXX XXXX 's team. I explained the crime, that Chase was negligent and that my money should be insured and should have been returned back to me. They denied my claim again. I had to re-explain that their claims department marked TWO wire transfers as fraud when I was only referring to/asking for ONE to be marked as fraud. No one has gotten back to me. 

I have no reason to be making up this story. I have no debt, I make plenty of money per year and this entire ordeal is a waste of my time. I deserve my money back and Chase needs to get a way better claims department and procedure in place for wire scams. This is only going to continue to happen and banks need to act quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to section 609 of the Fair Credit Reporting Act ALL information that is reported to credit reporting agencies must be 100 % ACCURATE. Inaccurate and incorrect information has been reported. 
An incomplete account number is posted. 
There are missing fields of monthly data from XX/XX/XXXX, XXXX of the balance, scheduled payments, past due and remarks. 
Incorrect date of last payment differs the summary states XX/XX/XXXX, the last payment was made XX/XX/XXXX. 
Late payments fees was applied to the account after the account was closed. 

I sent a notice of dispute on XX/XX/XXXX via certified mail, company received a letter of disputed on XX/XX/XXXX, I then sent another XX/XX/XXXX asking them to delete this account off of the Credit Report for inaccurate information and failure to provide me with viable evidence bearing my signature. I still had not heard anything in response to my request.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC Is collecting for XXXX XXXX. I never gave them the right to collect on my behalf. This company has been operating illegally for years. I contacted them and asked for information to try to resolve this issue. But was only given a bill with my name on it. I asked for the following information under a negative item review of the Fair Debt Collections Practices Act, 15 USC 1692 Sec.809 b. And 15 USC 1692 C. I was not provided this by the creditor nor the credit bureau! Please advise of my next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion still have not updated by credit card history it is showing that I don't have credit card history, as a result my credit score is low ... ... this is the third time I have reach out to this Credit Bureau and they still have NOT correct the issue. 

Sidenote : ( 1 ) my scores with the other 2 credit bureaus are excellent ( 740-750 range ) ( 2 ) Transunion score is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of my Credit file for tha last 2 months now, and I am grateful for the Credit Bureaus actions as they decided to remove some of the fraudulent items from my Credit File. However, as I inspect my Credit Report, there are still some acccounts and information that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Once again, I was a victim of identity theft and that the disputed accounts and information must be removed from my Credit file under the FCRA section 605b. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of ownership or any documents bearing my signature to support their Claims. In the event that the Credit Bureaus find no signed documents, please remove the disputed items completely from my Credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/2022, I tried to make a shipment worldremit this company is locate in XXXX, but the transaction failed, no type of receipt or transaction number was generated because it was not made, however the company took the money from my credit card XXXX. / XXXX us x XXXX = XXXX us times, the customer services don't give me any options in my case, I sent emails but They always send me to the costumer service page but it is impossible to communicate with the company. My bank said they can't do anything to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payments listed on my credit report for the closed account XXXX XXXX XXXXXXXX. These late payments are inaccurate and do not correctly reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this incorrect information. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting. Given this obligation, I request that all late payments associated with this account be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

These are the list of hard inquiries on my credit report I'm not aware of : XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXX/XX/XXXXinquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXXXXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX inquiry date XXXX. XXXX, 2023 XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX. XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/2023XX/XX/XXXX
Product: Credit reporting

The credit agency is not entering my on time mortgage payments for the last 5 years. 
XXXX XXXX is claiming No Payments were made during this period from XX/XX/XXXX to XX/XX/XXXX. 
Are claiming I did nt make any payments at all. 
Have proof payments were made and I have the records of payments from their Accounting Dept. 
They still are claiming to the credit bureau that no payments were made and the credit reporting agency is reporting this incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX Account # XXXX, has violated my rights. 
Company name : 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. 

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: Debt collection

My name is XXXX XXXX and I just received a letter the mail saying that a company called LVNVFUNDING, LLC is going to sue me on a debt. The court date is for XX/XX/2020. I know my rights but this is really getting out of hand. I dont know why they forcing me pay for something when its already on credit report. They had tried this before on sending a person to my house serving me papers that I was due for court but there wasnt no time or date on it. I really need someone to help me out with this one because they cant be doing and harassing me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Transunion have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX And they Ignored my request. Instead they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE TO EXIST. 
Transunion is in violation in 18 USC 1028A Aggravated identity theft.

( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any ( felony violation enumerated in subsection ) -- means any offense that is a felony violation of 18 USC 1028A ( c ) ( 4 ) ( FALSE STATEMENTS ), knowingly transfers ( DOCUMENT ), possesses, or uses, WITHOUT LAWFUL AUTHORITY, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
No consent is Identity Theft. 

18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

( a ) Whoever, in a circumstance described in subsection ( c ) ( 7 ) knowingly -transfers MEANS DOCUMENT ), possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or Under 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave TRANSUNION any written consent to report anything on my consumer report. 
ALSO Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with all three credit bureau 's regarding a fraudulent credit card which was opened in my name from XXXX XXXX XXXX. I was not given any proof of my authorization for opening the account from the creditor when asked. The creditor can not provide proof I authorized the account yet will not remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Product: Debt collection

I canceled auto insurance in XX/XX/2011 for a vehicle that I no longer possess. I was told numerous times that XXXX XXXX called in and reinstated my insurance causing a XXXX bill with USAA auto insurance company. It is now over XXXX years old and they refuse to stop collecting for it. This is one variable that is illegal. Secondly, charging insurance for no vehicle. Most importantly, allowing a bank to undermine my account. 
Furthermore, I called USAA over a 100 times and they care less. I received a letter that you all stepped in regards to my closed checking accounts and USAA discriminationed against me with checking, auto loans and a secured credit card offer. My credit is stellar. Their out of control. 
I would appreciate any help at all with these matters. 

XXXX XXXX