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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Greetings, This letter is a formal complaint that your agency has several INACCURATE fraudulent personal identifiers being furnished on my credit report. To clear things up, My one and only correct full name is : XXXX XXXX XXXX -as displayed on my drivers license. 

My correct and legally obtained social security number is : XXXX as displayed on my social security card. 

My date of birth is : XX/XX/XXXX -as displayed on my drivers license. 

My current correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as displayed on my drivers license as well as my current utility bill attached to this letter. 

15 USC 1681e clearly outlines compliance procedures that you are required to follow PRIOR to furnishing information onto a consumers credit report. You have violated my rights by continuing to furnish incorrect, inaccurate, and unverifiable information onto my credit report. I have also kept the previous letters as well as the CFPB complaints just in case I need to notify my states attorney generals office of your agencys willful non-compliance. Whenever a consumer reporting agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please DELETE the following INACCURATE information listed below that is being furnished by your agency and no other agency to my credit report : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete from my credit report. 

The next step will be to send invoices to your agency for each consumer violation visible on my credit report at the amount of XXXX USD. I give you only permissible purpose to furnish the things I have identified at the beginning of this letter, MY TRUE AND CORRECT PERSONAL IDENTIFIERS. I have validated this information with documents that I have attached with this letter : -Drivers License -Social Security Card -Utility Bill -CFPB complaint I did not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified, invalid alleged personal identifier information. As a consumer you should understand the importance of my credit report and how inaccurate information is detrimental to my report and intentionally publishing inaccurate information after you have been notified by the consumer is a form of defamation of character. In accordance with the Fair Credit Reporting Act, consumer protection laws, I request that these NOTED items be deleted from my credit report. This must be completed within 30 days to avoid further violations and escalation. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank for your timely help in this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.
Product: Student loan

My student loan that was serviced by EdFinancial was turned over to collections due to defaulting on my loan payments. EdFinancial stated they received a mail return on a statement in XX/XX/XXXX, although I have resided at this address for 3 years and have experienced no issue with receiving my mail. EdFinancial then updated my address to the physical address of the school I was attending. EdFinancial sent all my correspondence to the school and the school did not contact me or forward my mail. My phone number was available to EdFinancial and I also have a log-in on the portal. EdFinancial did not call me or notify me on the portal about my loans defaulting. I received a notice in my portal in XX/XX/XXXX that my loans would be due in XX/XX/2019 and my first payment would be due at this time as well. I was ready to pay this and then EdFinancial claims XXXX provided information that I never attended school so they stated my loans were not eligible for payments and would be due immediately in full. This change occurred in XX/XX/2019 yet I received a notice in XX/XX/XXXX about my loan being fine and getting ready for my first payment due. When I asked about this they simply stated they could not stop the automatic correspondence. So after spending literally hours on the phone with XXXX and EdFinancial I was able to ascertain that EdFinancial is the one that updated my address and failed to notify me and they refuse to help me with this issue and keep saying that I defaulted, which I had no idea about. I have asked for a supervisor to call me from EdFinancial and they tell me this will take 48 - 72 hours. I called this morning and EdFinancial stated they called me on Friday ( XX/XX/2019 ) but I have no missed calls or messages on my phone. I feel like EdFinancial is so unwilling to be responsible for their actions and how they did not notify me or give me the opportunity to repay my loans. HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.
Product: Credit card or prepaid card

I've been an account holder with XXXX/Continental since XX/XX/2017. I have had an auto payment setup on this account to draft over what my minimum monthly payment is for a while. During this time, the auto debits had always been withdrawn from my account under the name Continental Finance. 

On XX/XX/XXXX, the auto payment was made on my account. This time, the auto draft came from a company called XXXX XXXX XXXX. Due to an issue that I had with this company back in XX/XX/XXXX, a block was placed by my bank to stop any ACH transactions to be withdrawn from my account. Being that all my payments have been listed as Continental Finance, I was not aware that this payment was returned. I was told by my bank that the auto draft was attempted twice by this XXXX  XXXX XXXX  company. 

My credit card company, XXXX  Continental, had never contacted me to inform me of a returned payment ; and furthermore, that my account was past due. I have no voicemails, emails or any communications from them. I had attempted to sign on at the beginning of XX/XX/XXXX when I receive my pay to schedule a payment on this card. For a couple of days, their system was down. This was also confirmed by a representative on one of many calls made to rectify this matter. It wasn't until I received an alert from one of my credit monitoring sites that i fell behind on one of my cards.

This is totally unfair. Had I known that my payment wasn't made, I would've rectified the situation immediately. 

This is deceptive since this company has been able to benefit from late fees on this account since the cancelled the auto drafts due to them processing it under a different company name and I didn't even realize that my XX/XX/XXXXpayment was late had I not finally become able to access my accounts online. 

This is abusive for the simple fact that I am supposed to close on my home in the next week and this recent late payment has put me in jeopardy of loosing out on my home and furthermore, losing out on my deposit on hand with the builder who built my new home. 

Their acts and practices benefit them solely as they can collect fee 's and additional interest for their gain while not taking a moment to send me an email, text or phone call letting me know my account was late. They have been no help and have not returned any phone calls requested from someone on a resolutions team.
Product: Credit card

I receive my Social Security Retirement on a Debit Card through a company called, DIRECT EXPRESS. It took 3 days to reach a person who knew what to do. She said she would need to send me investigation forms to to fill out and return to them If I don't get the forms back to them by XXXX. I HAVE NOT RECEIVED THE FORMS YET. They said if they don't receive the forms by that date. I will have to wait 90 days. When I call, either I'm told to call back because there are too many callers or I have to wait extensively to reach someone. I have been disconnected numerous times
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my PayPal and Venmo accounts were permanently suspended for alleged " violations '' of their user agreements and policies. After years of normal use and activity, the AI account review algorithm determined that my accounts were " high risk '', and were immediately shut down and XXXX permanently. After talking to several account representatives, who repeated the same vague response, I realized that my request for answers remained futile. I have only used my accounts for various online purchases and for boy scout account transactions with other parents and leaders. I had XXXX conflict where I sent {$150.00} to a wrong person with the same name, and the wrong person never returned the money after repeated requests. I sent a negative note to PayPal with my complaint, and believe they permanently suspended my account in retaliation. The account balances were at XXXX XXXX thankfully, so I am not out of any of my money. This was unfair and very unexpected. I hope to warn others about PayPal 's inexcusable and fraudulent behavior. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Union Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX around XXXX XXXX {$980.00} Cash Deposit Claim # XXXX I made a {$980.00} cash deposit at the UNION BANK ATM located at UNION BANK XXXX XXXX XXXX XXXX there was a drive way leading to the UNION BANK ATM with arrows pointing to the machine. The Machine screen has UNION BANK sign. I used my UNION BANK Debit card and deposited XXXX {$100.00} Bill and XXXX {$20.00} bill. 
XXXX * {$100.00} = {$800.00} XXXX * {$20.00} = {$180.00} Total Deposit {$980.00} The machine indicated due to technical reason my deposit was not completed. The same problem happened to me several months ago with cash deposit at the UNION BANK Located at XXXX XXXX XXXX XXXX at XXXX XXXX CA, I called the XXXX number they told me to contact the bank, which I did the manager of the bank checked their ATM machine and credit my account for the deposit right away. With that experience today I walked to the UNION BANK and told the manager of the bank that I just deposited {$980.00} cash and the machine did not give me credit. Ms. XXXX XXXX Branch Service Manager gave me a phone number to call to place a claim, she told me we are not responsible for the UNION BANK ATM machine at our parking lot. This response was not acceptable to me, I made complaint and asked her to call the number and let them know that I am at the bank and they need to give me the credit. She did call and I was given a claim # XXXX by a person called XXXX who told me it will take any where from 10 to 90 days for them to investigate the case to get the credit. I did not accept that response and asked to speak with her supervisor XXXX, she told me they collect the cash daily from the machine, but the policy is to wait from 10 to 90 days to process the claim. I made sure to ask that our conversation was recorded and repeated what she told me 5 times, indicating how absurd her so called policy is, she was cold and had a take it or leave it attitude, and made no efforts to help me. 
I am requesting the CFPB to open a case against Union Bank and requesting that Union Bank to Credit my account {$980.00} today and compensate my account for my inconvenience {$250.00} per day penalty for every delay starting XX/XX/XXXX until full credit of {$980.00} is recorded. 
I believe their response to their machine failure is not acting in good faith and illegal. They need to put a sign on their machine warning that deposit your hard-earned money at your own risk to be acceptable to go and check to see if the money is there or not right then and there. 
To me having this happen twice in one year has criminal intent all over it.
Product: Vehicle loan or lease

Ive have this vehicle In my possession since XXXX XXXX XXXX  or a little before. 
Ive made payments on this vehicle and the balance is greater than where I started. And in XXXX of XXXX I had to change the water pump, heater hoses, Replace shocks, Rotors, Map Sensor, replace the starter, and positive battery cable etc. Totaling {$4300.00}. 
And the vehicle is still not running ( NOW ). 
And my payment went from XXXX a month to {$550.00} a month LENDMARK FINANCIAL SERVICE {$17000.00} Balance last reported on XX/XX/XXXX Original balance {$15000.00} You've paid XXXX % of this loan Monthly payment {$470.00} Overview Monthly payment {$470.00} OpenedJun XXXX, XXXX TermXXXX months ( XXXX years ) LENDMARK FINANCIAL SERVI loan Your estimated interest rate is higher than XXXX % of members with similar credit profiles. 
Your estimated interest rate is higher than XXXX % of members with similar credit profiles. 
XXXX  % Your estimated rate XXXX - 25.9 % XXXX rate
Product: Credit card

Chase Bank C/C Web site showed my payments made and complete. When in fact they were not paid and were retracted XXXX weeks later giving a scam artist the ability to snag {$100000.00} of my dollars. I was suspicious of this company so I covered myself with alerts on my account and watched it every day to know when payments were made and when charges hit. I received no alerts at all until I called Chase and told them that they had been subjected to fraudulent activity. 
On the web site a note pops up about Chase Bank verifying that any pay account is verified that It belongs to the account holder before approval. This was not done or I would not be in this mess.
Product: Credit reporting, credit repair services, 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Names : 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 alleged identity theft, not later than 4 business days after the date of receipt. 



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Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed accounts with Transunion because the accounts are not reporting accurately and the data is incomplete. 

The Fair Credit Reporting Act states that a consumer reporting agency must prepare a consumer report that shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In accordance with the Fair Credit Reporting Act, the accounts listed below have been violated by Transunion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION REFUSED TO REMOVE THESE UNAUTHORIZED HARD INQUIRIES XX/XX/XXXX, Transunion advised me that the investigation results came back Verified and Updated. How can this be possible when Transunion has violated the Fair Credit Reporting Act. 

Transunion clearly violated the following F.C.R.A. laws : 15 U.S.C. 1681eb they are supposed to ensure whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse.

15 U.S.C. 1681s-2 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.

15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) If 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are supposed to provide me a description of the investigation according to 15 U.S.C. 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

TRANSUNION DID NOT FOLLOW THESE LAWS.
Product: Mortgage

I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, entered into a consumer credit transaction with Bank of America on XX/XX/2019. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I, then received a bill which is a violation of 15 USC 1692B.
Product: Debt collection

I received an alert on my credit report a few days ago that I had a medical collection debt that I do not recogonize and it caused my score to decrease by more than 38 points. I'm in the process of trying to get mortgage as I'm trying to be a first time home buyer. This is too stressful as I'm already dealing with the reporting agencies ignoring my request now I have this collecton appear out of no where. I never received any notice in the mail or anything to even even verfiy if this alleged debt even belongs to me