23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is Trans Union reporting the account type as Open, while XXXX and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Trans Union and XXXX are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. XXXX  refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.
Product: Checking or savings account

My Bank account went negative on XX/XX/XXXX. My bank account went positive on XX/XX/XXXX via XXXX which is instant and i made sure to fix my account within 24hrs of going negative. At XXXX on XX/XX/XXXX I was charged a {$35.00} overdraft fee causing my bank to go negative {$33.00}. I spent all morning of XX/XX/XXXX on the phone with wells fargo with them refusing to remove the fee. They stated that even though my account reflected a positive balance on the XXXX, it did not matter because they put on their end that I wasn't positive until XX/XX/XXXX. All my email, text and app notifications prove my bank account reflected a positive balance BEFORE the overdraft fee. This is not the first time I've dealt with wells fargo wrongfully charging me, in fact it's becoming more often. I had to prove they wrongfully charged me 6 months ago but they filed that as a courtesy instead of taking responsibility for their actions so they could justify not helping me in the future.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a complaint against TD Bank regarding an issue with their rewards program. On XX/XX/XXXX, I redeemed my TD Bank Cash Credit Card rewards points for a {$25.00} XXXX gift card. Understanding that the holidays might cause delays, I patiently waited for my reward to arrive. 

By the third week of XX/XX/XXXX, after not receiving the gift card, I contacted TD Banks customer service. The representative assured me that the card was shipped and that I should receive it within a few days. However, despite waiting, the gift card never arrived. 

On XX/XX/XXXX, I called TD Bank again to follow up. This time, I was told that they could not assist with lost or missing gift cards and that there was nothing they could do to either replace the card or refund my rewards points. This was incredibly frustrating because the issue was not on my endI never received the gift card in the first place. 

TD Banks refusal to help has left me without the reward I rightfully earned, effectively making me lose {$25.00} worth of my hard-earned rewards points for nothing. I find this unfair and misleading, as their rewards program should guarantee that customers actually receive their redemptions. 

I am requesting that TD Bank either : XXXX. Issue a new {$25.00} XXXX gift card, or XXXX. Refund the rewards points used for the redemption. 

I believe it is unacceptable for TD Bank to refuse assistance in situations where a customer never receives their reward. I kindly ask for your investigation and assistance in resolving this matter. 

Thank you for your time and support. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion on XX/XX/XXXX, regarding inaccuracies on my credit report and requested a XXXX of XXXX ( MOV ) for the disputed items. I received XXXX email confirmations from TransUnion acknowledging receipt of my dispute, dated XX/XX/XXXX, and XX/XX/XXXX, stating that the matter was under review. 

As of today, XX/XX/XXXX, it has been more than 30 days, and I have not received any further response or resolution regarding my dispute or the requested MOV. This failure to respond is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to complete their investigations and provide results within 30 days. 

I request that TransUnion : Complete the investigation into my dispute immediately. 
Provide the requested XXXX of XXXX ( MOV ) for the disputed items. 
Update my credit report as necessary to reflect accurate information. 
Additionally, I am concerned about the lack of communication from TransUnion and request oversight to ensure compliance with FCRA regulations. 

Attached are : A copy of my original dispute. 
Copies of the email confirmations from TransUnion dated XX/XX/XXXX, and XX/XX/XXXX. 
Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

XXXX has claimed that since early XXXX I had an account with them, that they sent me a phone or XXXX, and that service charges accrued on said account. 
However : 1. I never wanted an account with XXXX.

2. I never received any device ( s ) from XXXX. 
3. I never utilized service with XXXX. 

XXXX has NOT produced ANY evidence to contradict my above 3 assertions. 

Despite their lack of any evidence that I owe them anything, they are now using a 3rd collection agency for this matter and my credit rating has fallen from Excellent to Very Good. 

Why don't they trace the alleged phone ( s ) and service charges accrued to find the perpetrator and solve their problem?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I attempted to modify my loan. I was denied after being strung along. They are aware that I was affected by death in my family and the Covid-19 pandemic. I requested to speak to my relationship advisor for MONTHS to no avail, despite having received numerous correspondence via mail stating that this is the person I should talk to. I had an attorney contact the lender with a proposed lump sum payment which was over half of my arrears which was also denied. The lender then did not allow us to fully appeal their decision and gave us an immediate sale date. I feel like the lender misled me and had XXXX intent on helping me to retain my home.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. 

This was included in my bankruptcy!
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported in Experian.
Product: Debt collection

Merchant Credit Association Collection Agency was assigned my charged off debt amount {$36000.00} on XX/XX/2011. Since Merchant Credit did not own the charged off debt amount, they had to work XXXX XXXX XXXX to report false monthly growing debt amounts to the credit bureaus for over 6 years!! I did not find out about their illegal credit reporting until I requested my credit reports from the credit bureaus. Here is what I found & tried to disputed them and have the incorrect debt accounts deleted immediately. 

1 ) I do not have a written contract with Merchant Credit Collection Agency, nor did I promised to pay them and, I never sent them any payments. 

2 ) Merchant Credit Collection never sued me and won a court ordered Judgment against me. 

3 ) Merchant Credit Collection along with XXXX XXXX XXXX secretly and willingly charge my charged off debt account/s 12 % compound annual interest rates for over 6 years even now. When they knew XXXX XXXX XXXX had a written contract with me for 6.49 % annual interest rate. 

4 ) Merchant Credit Collection never bother to send me any monthly billing statements over the years and even now, but they see fit to charge and falsely report monthly growing debt amounts information on me for years and now too. ( Truth In Lending Act ) 5 ) While I started my credit bureaus, creditor and Merchant Credit disputes, my credit scores mysteriously took a sharp dive from XXXX to XXXX. I guess to retaliate against me for requesting written proof of the higher debt amount/s. 

6 ) Merchant Credit Collection was only reported on XXXX credit bureau, and the charged off debt was and still growing every month for years. 

*** Time barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was asked by a friend to download VENMO to receive funds from him, so I did so, my friend then sent me the funds, but when I tried to get the funds VENMO had frozen the account, mind you I was broken down at XXXX with XXXX grandchildren in the car a XXXX, XXXX, I had just opened the account what could have gone wrong, I parked the car and proceeded to retrieve my money to no avail, the one CSR told me it would be investigated but that it could take up to 7 days to correct, if I hadn't needed that money I wouldn't have downloaded this XXXX app, Sincerely XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account STATE FARM BANK Date opened XX/XX/2016 which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are uploaded to supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. You've violated my rights by reporting balances and the company names that were included in my bk. These accounts has been discharged and shouldn't be on my credit report. A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate.For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; XXXX. Permissible purpose {$1000.00} XXXX. Defamation of character {$1000.00} XXXX. Damaged reputation {$1000.00} XXXX. Damaged credit worthiness {$1000.00} XXXX. Damaged mode of living {$1000.00} XXXX. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Mortgage

I submitted a commercial financial packet about 3 months ago as instructed by PHH so I could get much needed financial assistance for a commercial mortgage! I am not currently in default and trying not to be. I have called and emailed several times to no avail! I repeatedly get the same excuse that the packet is being reviewed. I have contacted my relationship manager, XXXX XXXX numerous times to no avail! I keep being told that she's busy and will call back but she never does! This is causing me emotional distress and is unacceptable! I truly believe that I am being ignored due to my rental property being in an urban area. I am seeking legal guidance, this has gone too far, I truly believe their practices are discriminatory!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. XXXX REPORT EXPERIAN XXXX Has put a credit inquiry on my EXPERIAN REPORT IM NOT RESPONSIBLE FOR XXXX  XXXX XXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted
Product: Checking or savings account

On several occasions ( at least 3 times over last 6 months ), I've called Marcus Bank by Goldman Sachs about receiving bank statements at my mailing address even though I'm setup for online / paperless delivery. They keep sending paper statements to my address but I'm not always home and there have been issues with my mail being access by external people. In fact, I know of one instance where my statement was opened by someone else ( PRIVACY EVENT ). I'm currently logged into my account and the delivery method is " Electronic '' but I'm still getting paper communication ( see attached screenshot ). They don't seem to care ... I've called so many times and even asked to pass my issue over to their Complaints team but no one calls me back and handles my situation. There is something wrong with their system. PLEASE HELP!
Product: Debt collection

I had an account in collections with Capital One with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XXXX XXXX Funding has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
Product: Checking or savings account

I opened a new account with XXXX on XX/XX/XXXX. I deposited my two paychecks from the State of Idaho totaling {$2700.00} into the account and I still havent received my money. The deposit was put on hold, then I drove 6 hours round trip to a branch and they couldnt help me. Whats followed is multiple phone calls and getting a different answer every time I call. Ive been told Id have my money the next day, Ive been told the checks had to be verified, but the bank refused to call the number I gave them for the state controller. It took over a week to finally get someone to call the controller and verify the checks and then I was told Id have the money in my account. Then I was told that no the account was closed, then I was told it wasnt closed and Id have my money the next day again, then it was that no the account had been closed and the money sent in a cashiers check, then yesterday it was back to verifying the checks when Ive been told they were verified. The state controllers office told me theyd cerified them multiple times and didnt know what else Chase wanted. Now I was on the phone for over an hour yesterday only to be told Id have the money in a week. These are my paychecks so Ive had next to nothing to live on for a month. I cant get gas in my car, cant pay my bills, cant buy groceries, and couldnt go with my daughter to move her into her dorm at college. Its been almost 5 weeks and I just want my money. Ive never worked with a more incompetent company in my life and at this point aside from this and possible legal action I dont know what to even do.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.