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

I am writing to express my profound frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are adversely impacting my credit score and overall financial well-being, and despite my persistent efforts, they remain on my credit report. 

I have diligently reported these fraudulent activities to the respective creditors, provided police reports, and submitted identity theft affidavits as required by law. However, despite my numerous attempts to rectify these errors, these fraudulent items continue to XXXX my credit history. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00} 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 : {$4600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}.
Product: Debt collection

Unsure if im expiernecing social security fraud. Please reach me @ XXXX. 

Best regards XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$5000.00} XXXX  XXXX {$800.00} XXXX XXXX  XXXX {$5100.00} XXXX  XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  I have a mortgage with   XXXX   XXXX    Loan  #  XXXX .    Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.
Product: Payday loan

I started a payday loan with PLS Cash Loan Store XXXX, Texas on XXXX. PLS later changed the terms on me and stopped doing loans in the State of Texas.Pls forced me to make payments to their internal Collection Department. I have been told by the manager if you set a payment plan and make payments then we will return your personal check, which is kept as a collateral. I have made several payments ; but this company would not keep their words and changed agreements on me. They are XXXX mailing me by holding my Higher Amount check that was written for the total amount of loan taken out. PLS Store in XXXX, Texas will not void my check and they refused to return my personal check which has wrong higher amount than what I owe them. PLS Store district manager XXXX XXXX lied and PLS sold my account to Third Party Collection agency. I had never skipped a payment while I started this account. They have changed the terms and shut down everything started to demand money upfront. so after several payments I Stopped payment to make sure my Check with be returned to me and not cashed in with that high amount written on it which I do n't owe them at all. CHECK NUMBER XXXX XXXX bank Texas written for XXXX. After making several payments they still wont return my check. This is a consumer Fraud period.
Product: Credit card

I have tried unsuccessfully multiple times to supply Direct Express with the documentation they requested so I can transfer money to my interest bearing checking account... I have been denied each and every time without an explanation why ..... I also tried to close my account unsuccessfully ... .. they will not close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I have used TD Bank for many years and have actually enjoyed their service. However, since the pandemic began TD has closed a large number of branch offices and does not have stand alone ATMs ( that I know of ). As a result, I now have to drive nearly 20 miles to access a TD Bank branch ATM of pay a {$3.00} fee. 

It would make sense if these ATM fees were eliminated as TD is saving a great deal closing all these branches.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B, the account XXXX XXXX XXXX, is considered a billing error. Please update this account to always paid as agreed, never late. XXXX and XXXX do not report this erroneous error. The company could not validate any late payments in XXXX and XX/XX/2021. This account is to be updated within 15 days. Please see the attached copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Branch agent & consumer-in-fact contacted the 3 bureaus XXXX XXXX, also experian in a consumer credit dispute through affidavits w/ attached exhibits. All accounts werent deleted as demanded and I am now contacting as consumer-in-fact to continue the investigation that as stated in said documents sent of dates specified.
Product: Payday loan, title loan, or personal loan

I called to payoff my account last week and first I was hung up on 3 times once connected. Then I was told I could not make a payment due to my account being flagged for fraud. No one has contacted me regarding any fraud. I did not report any fraud to them. The rep asked for my phone number and asked if I had ever used a different number that is showing up on my account. He could not give me any other info so I requested a call from a supervisor. I called today to check on my request as I have not recd a call back. The fraud issue has not been resolved, nor was it escalated for review during my first phone call. I still can not payoff my account. Their online system will only accept minimum payment amounts not a payoff. I feel they do not want me to pay off my account early.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Midland Credit Management contacted my home phone number. I did not answer nor was I home. My mother answered the phone and the collector assumed that it was me that answered, addressed my mother by my name, and proceeded to tell my mother about the debt and that there is a potential lawsuit. There was an apparent aggressive tone and my mother stated that she had to talk over the person to tell her that she was not me. The collector never asked for any SPII to confirm that she was speaking to the correct person. My mother did not share any other details of the conversation other than the collector asking for additional contact information for me or husband ( which I do not have ). The call was received on XX/XX/2021 at approximately XXXX EST.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding an erroneous account that has been inaccurately reported on my credit file. On XXXX XXXX, 2024 and XX/XX/2024, I submitted a request to TransUnion, inquiring about the method and proof utilized to verify the account in question, as it was reported as verified. Despite federal regulations mandating a response within 15 days, I have yet to receive any communication or acknowledgment from your bureau. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report9, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any investigation 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- ( 1 ) 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 re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This account, which has been erroneously attributed to my credit profile, poses a significant threat to my financial well-being and reputation. I have taken every necessary step to rectify this discrepancy, yet the lack of response from TransUnion and XXXX XXXX XXXX only exacerbates the situation. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), it is explicitly stated that credit bureaus must promptly investigate any disputed information and respond to the consumer within a reasonable timeframe. Your failure to adhere to this federal statute is a clear violation of my rights as a consumer.

Furthermore, it is imperative to note that Transunion is the sole reporting agency documenting this erroneous account. This raises concerns regarding the accuracy and integrity of the bureau 's reporting practices. The FCRA Section 611 ( a ) ( 5 ) ( A ) mandates that credit reporting agencies must ensure maximum possible accuracy of the information contained in consumer reports. By allowing inaccuracies to persist, your bureau is in direct violation of this provision. 

Therefore, I demand immediate deletion of the erroneous account from my credit file in accordance with the FCRA Section 611 ( a ) ( 5 ) ( A ). Additionally, I expect full compliance with the FCRA Section 611 ( a ) ( 7 ), which stipulates a timely response to consumer disputes. Failure to address this matter promptly will compel me to pursue legal recourse to protect my rights and interests.

Please remove the item from my credit report, immediately : XXXX 's XXXX
Product: Debt collection

Hello, My friends ' parents have repeatedly received calls from a caller who would not identify his employer, he said he was calling from the US dept. of Education about a loan in default ( all my loans are current as confirmed by XXXX an hour ago ) Caller : XXXX XXXXPhone : XXXX, XXXX have never resided at this address or provided my friends ' parents ' phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number I do n't even know. 

When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I provided my full social security number. I do not in fact owe them a debt as my loan is current and serviced by XXXX ; when I spoke with XXXX they indicated that they never authorize 3rd party collection calls and not to ever provide my social security number.
Product: Debt collection

Filed CFPB dispute towards XXXX XXXX. XXXX XXXX responded in a timely fashion and stated that they would contact Mandarich Law and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from XXXX which has XXXX 's response highlighted in yellow. 

I have attempted to contact Mandarich Law at XXXXXXXXXXXX and tried to reach via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I asked for verification of dispute and copies of the documents that was used to verify the account as per my request reinvestigation was done still failed to provide me the name of the person in the company who verified the accuracy of these accounts which is violation of federal law
Product: Debt collection

RELIANT CAPITAL SOLUTIONS , LLC is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from RELIANT CAPITAL SOLUTIONS , LLC on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.
Product: Credit card

XXXX. The people in charge of Truist Bank are monsters. 

XXXX. I have XXXX Truist credit cards, including XXXX ending in XXXX. 

XXXX. I timely scheduled my payment that was due in XXXX XXXX 

XXXX. My routinely kept notes reflect this. 

XXXX. Due to an apparent glitch with Truist, the payment did not go through and there is no record of the payment. 

XXXX. When I went back and to schedule a payment on XX/XX/2024, I noticed that XXXX months ' minimum payments were due and I made the payment for both months '. 

XXXX. A late fee of XXXX dollars posted on XXXX XXXX, 2024. 

XXXX. I called on XX/XX/2024, and requested the fee reversal, stating that I did in fact timely schedule the payment and that I was previously never late. 

XXXX. I spoke with XXXX, who said that because I had previously closed the account that my request would have to go to a supervisor. 

XXXX. After a lengthy hold time, supervisor XXXX in customer service went to see if he could get the fee waived for me. He said he could not because the account was closed. 

XXXX. Truist does not disclose to its customers that it actively discriminates against customers with closed accounts., including at the time when customers close the accounts. 

XXXX. Truist also discriminates against customers with closed accounts by refusing to allow payments to be made online after XXXX days. They clearly want to make things difficult for their customers and increase the likelihood of late fee revenue by forcing payments to be made through slow and inconvenient methods for no reasons other than Truist 's animosity and greed. 

XXXX. There is no reason for Truist to discriminate against customers with closed accounts by refusing to waive fees that they would otherwise waive for customers with open accounts, except Truist 's animosity and greed for fee revenue. 

XXXX. I made the right decision to close my Truist account and now want to close the other one as well.
Product: Debt collection

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. 

Account name XXXX 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 a 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. 

You have XXXX hours to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 8 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. 

There are also name listed on my credit report that are inaccurate. These are listed below as well and need to be removed immediately. 


Date Transunion XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Financial Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed on XXXX. So I did dispute the transaction first, and then after a few months chase charged me again. So I call them back to ask them whats going on. They told me that the scammer has provide the document to them saying that they did ship it out or something defer. Even till now I did not receive my expensive camera : ) and one of the claim team named XXXX told to me rudely saying that they are not customer service, and asking me not to call them call XXXX. Its third party teacsction. After a weeks, I call them. They say they already close the case. They are definitely waste my time! And helping scammer in the US to grow stronger. As you can see a single pic without investigate can took your 300 away. Most awful customer service and investigate team ever!
Product: Credit reporting 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX 
Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We spoke to PenFed employees prior to and during the HELOC mortgage process and were promised that the initial loan amount we were taking out would be locked at our 4 % rate with any future loans to be at prime + .5 %. We ONLY went through with the loan process after being assured that the loan we were taking out was not at the variable rate. We had no intention of future loans, so this product worked for our needs.

PenFed is supposed to record calls, and we had multiple calls on this subject with them.

After several months of the 4 % rate, PENFED changed the rate on that initial loan to variable, which is currently 8 % + .5 %. I have contacted every person we worked with, but they will not response. Those people are XXXX XXXX, Mortgage Loan Processor, XXXX XXXX and XXXX XXXX. 
I spoke with a random member of the staff one week ago and was promised a call back, and havent had any contact. 
I believe that they have acted in bad faith with predatory business practices.