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

I am frustrated to see Transunion stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed items belong to me, and yet they sent me nothing! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I urge Transunion to please remove the accounts from my file : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I went on Forbearence starting XXXX of last yr. My mother and stepfather co-signed. I am permenantly XXXX and low income. She was giving me money/mo to help and then couldn't. They then both passed away on XX/XX/XXXX. I found a lower ins co and resumed paying the loan in XXXX of this year. I started getting late fees in XX/XX/XXXX. The late fees were reversed. Soon after, I noticed that none of my payments were being applied to the loan. {$7900.00} in total. I sent ( message center, TX, CA ) 2x to payment center, the payment hx from my bank and asked that this be corrected. I can never get anyone to help me. Today on loan activity I see charges for a foreclosure lawyer, title, and also property inspection along with late fees. According to the Care Act, this should not be happening. Please help me. Obviously PennyMac could care less in helping me keep my home. They would rather seize it then correct this catastrophy of an error. And where did all that money go if not on my account? The loan is in good standing as I have given proof to all PennyMac headco. And yet they are still continuing with the foreclosure of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target is claiming to have sent proof of debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. Please stop calling my phone and instead send me all the information you are requesting in writing to address above. I am requesting the following to be sent to my address above : Original debt contract with my signature Proof of Debt assignment All legal binding contracts Payment history Name and address of original creditor I am requesting this to be sent immediately or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS In response to my complaint, all I received was a statement, and according to their credit back, reporting, I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report. 

15 US C 1681 section 604 A 15 US code 5 1681b
Product: Mortgage

I have tried getting a payoff on my mortgage since XX/XX/2021. So far the company has not provided it. I ordered it online in XXXX. I did it over the phone with the title company on XX/XX/2021 via 3 way phone call. I tried online today and the message said it would be mailed in 5 days. I called today and was told it will be faxed in 2 hours. 
I just need a payoff I have sold the home it is closing on the XXXX and this incompetent company will not respond.
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally challenge the erroneous addresses that persist on my credit report. Despite having submitted previous dispute letters regarding this issue, these incorrect addresses remain on file. I am hereby requesting their immediate removal from my report. These addresses are not associated with me and bear no relevance to my credit history. I have already provided the necessary documentation to verify my correct address and have requested the removal of these inaccurate entries. 
However, despite multiple appeals, these errors have yet to be rectified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of these false addresses may lead to confusion or inaccuracies that could negatively impact my creditworthiness XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Mortgage

I entered into a reverse mortgage with Wells Fargo Mortgage on XX/XX/XXXX. I then became concerned about the terms and conditions and contacted a friend who was versed in mortgage procedures. He had advised me of some terms and conditions that I was unaware of and then contacted your office regarding this information. The following are the findings : It should be noted that my monthly income at the time was {$500.00}. 
Analysis of XXXX XXXX Wells Fargo Reverse Mortgage Estimated Amortization Table 1. Even though you got one lump sum of money, you are paying {$30.00} per month, {$360.00} per year in service fees for the privilege of receiving the money. This added to your debt each year. 
2. Over the last thirteen years, you have been assessed {$4600.00} in service fees. 
3. It shows that you received {$54000.00} initially. You advised me that you received {$23000.00}. The difference of {$31000.00} are fees and various charges. 
4. This loan is scheduled to go 34 years. By that time, you will owe {$390000.00} for a {$23000.00} loan. Your children will have to pay that amount to keep the house. They will have to come up with the money within six months. 
Page 1 Home Equity Conversion Agreement Second Deed of Trust 1. This is an adjustable rate mortgage. It goes up and down depending on the consumer price index. 
2. If you live until XXXX, the house will belong to the Mortgage Company. ( Age XXXX ) Uniform Residential Loan Application It says you borrowed {$72000.00}. Where is the {$49000.00} difference? 
Federal Truth in lending loan disclosure 1. The loan is immediately due upon your death. 
2. XXXX is not part of the loan. He will be put out upon your death. 
3. If you are not living in your residence for some reason, after 12 months, you lose the house. 
4. If the house is in disrepair, the loan becomes immediately due. 
Recommendations File a complaint of predatory lending with the Consumer Financial Protection Bureau. ( CFPB ). 
I have prepared a letter for you to sign and mail to the CFPB Ombudsman. I have included and highlighted information on filing a complaint. 










To : Ombudsman Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Request assistance for filing a predatory loan complaint XX/XX/XXXX  Dear Sir or Madam, I had some concerns about a reverse mortgage {$23000.00} loan from Wells Fargo Mortgage 13 years ago. I contacted XXXX XXXX a Fraud Investigator I am associated with and asked him to review my paper work. 
His analysis showed some very disturbing things I was unaware of and were not explained at the time I signed for the loan. His findings are attached to this letter. I would like to have Consumer Financial Protection Bureau consider assisting me in filing a predatory loan complaint. 
In summary a loan for {$23000.00} will cost me over {$110000.00} today. This is not fair and in my opinion is predatory. I am seeking a solution to get out of this loan and keep ownership of the residence I have spent a great part of my life in. 
Sincerely, XXXX XXXX ( XXXX ) XXXX E mail XXXX XXXX XXXX XXXX ( XXXX ) XXXX E-mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ... XXXX, XXXX, Experian have not updated my report to Chapter XXXX bankruptcy discharge from XX/XX/XXXX. 
I'm trying to rebuild my credit after fallen on hard times. I've been XXXX since XX/XX/XXXX from an accident and would like them to acknowledge my recent closure.
Product: Credit card or prepaid card

RE : Target Card Services Mail Stop XXXX XXXX  XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill. 

Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found. 

I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through. 

I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors. 

This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly. 

Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge. 

I believe this charge is a scam, and that they have no right to charge me for their own errors.
Product: Credit card

On XX/XX/year>, I was charged {$140.00} by XXXX for a defective item that I attempted to return. Despite clear evidence of the items damaged condition, XXXX refused to accept the return or issue a refund. After multiple attempts to resolve the matter directly with XXXX, I filed a dispute with Capital One ( XXXX XXXX : XXXX ). Although Capital One initially provided a temporary credit, they rebilled the charge on XX/XX/year>, despite the ongoing dispute and continued submission of evidence demonstrating the merchants failure to fulfill its obligations. 

Additionally, on XX/XX/year>, I was overcharged {$27.00} by XXXX for an item that was advertised at a lower price. California XXXX XXXX XXXX XXXX XXXX XXXX mandates that consumers be charged the advertised price, which XXXX refused to honor. I raised the overcharge with XXXX immediately, but after they failed to remedy the situation, I escalated the dispute to Capital One ( XXXX XXXX : XXXX ). Despite the clear documentation I provided, Capital One rebilled the charge without adequately investigating the merchants violation of state consumer protection laws. 

Under the Fair Credit Billing Act ( FCBA ), Capital One has a legal obligation to conduct a thorough and independent investigation of disputes and to protect cardholders from improper or unauthorized charges. I escalated both disputes to XXXX XXXX XXXX XXXX XXXX and uploaded all supporting documentation, yet no satisfactory resolution has been reached, and the charges remain rebilled to my account.
Product: Credit reporting or other personal consumer reports

upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted   XXXX    to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from  XXXX  the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to  XXXX  not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sect ion 611 ( 5 ) ( A ) of th e FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company, i got a response XX/XX/2022 from this company via cfbp and they have not deleted the account
Product: Debt collection

account number XXXX open XX/XX/2016 {$2100.00} this account is a fraud account open by someone who stolen my identity, fraud
Product: Checking or savings account

On XX/XX/2019 an ACH happened from a company called XXXX XXXX for the amount of {$5700.00}. We have never even heard of this company before this happened. We contacted the company and they state they will research the issue but after 1 day shy of a month and numerous calls they say they " will keep looking in on the issue ''. I fell they are blowing me off. I also called our bank ( Prosperity Bank ) and spoke to numerous people including the bank president. He states that we only had 24 hours to bring it to their attention. I just happened to look online and let them know of the problem which was approximately XX/XX/2019. Since the 24 hours expired on XX/XX/2019, the bank says they have no responsibility and can not put the money back into the account. Our checking account was charged for {$5700.00} from a company we have never heard of and never authorized to charge our account in the first place!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect XXXX XXXX XXXX - Incorrect Name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Credit card or prepaid card

I made contact with XXXX  Visa credit -XXXX XXXX   regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.

As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.

So, since then I have been getting calls and texts. I contacted them today and was my account is behind.

I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind. 
I had made a partial payment yesterday and was the other half by the due as expressed on the statement. 
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.

My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today.. 
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.