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

I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for XXXX XXXX XXXX. Nothing has been done about it. They all came back that it was verified. 
XXXX XXXX XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as National Credit Adjuster, formerly AD XXXX XXXX XXXX. 
NATIONAL CREDIT ADJUSTER The company that reported the information has certified to XXXX that the information is accurate. 
AD XXXX RECOVERY SERVICE Information on this item has been updated. Please review your report for the details.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$910000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX  {$6500.00} XXXX  XXXX XXXX  $ {$600.00} XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX  {$280.00} XXXX  XXXX {$470.00} XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$700.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$370.00}
Product: Checking or savings account

CITIBANK CHECKING ACCOUNT ENDING IN XXXX IN REFERENCE TO CLAIM XXXX CITIBANK HAS ENDED THE BANKING RELATIONSHIP WITH ME, AND REFUSED TO RELEASE THE REMAINING BALANCE ( {$120000.00} ) ON THE ACCOUNT.
Product: Student loan

I have tried paying off my Edfinancial student loans on a monthly basis since XXXX, but the payments continue to be reversed. Interest is accruing on these payments, so I hope to have this fixed soon.
Product: Credit card

This is a follow up complaint to the initial complaint # XXXX. 

As a response to that complaint, Capital One was supposed to issue a {$100.00} credit. 
However, that has still not happened. 

Capital One is continuing their dishonesty about the resolution. 

They credited XXXX miles to my rewards account claiming the XXXX miles have a value of {$100.00}. 
That is BLATANTLY incorrect and dishonest! 

The value of of XXXX miles according their own redemption website is ONLY {$5.00} and NOT {$100.00} as they claim. 

Please see attached screenshot where I am trying to redeem XXXX miles for statement credit. They are calculating that as {$0.00}. If XXXX miles equal to {$0.00}, by simple math XXXX miles have a value of only {$5.00}. 
Please see attached screenshot and their letter. 

In order to credit my account by {$100.00}, the reward miles need to be XXXX and NOT XXXX. They have only credited {$5.00} and not {$100.00} per their letter.
Product: Debt collection

received settlement in class action for deceptive practices ( {$2500.00} ). XXXX ruling allowed for XXXX discharge of all owed loans, ( $ XXXX ) school retaliated for both actions by recording last semester as unpaid and sent to collection separate from BDAR discharge barring reenrollment XXXX ( complaint sent to US dept. of edu, no reply ) Claims for {$2600.00} owed to school are false and not applicable. I would not have received any of the settlement money if a legal outstanding debt was still owed. Contested debt with collections agency. Agency was about to discharge, school sold debt to another which offered {$1800.00} settlement. Problem brough to attention of MN office of higher Edu. no reply as of yet.
Product: Prepaid card

I have {$800.00} spread across XXXX different Amex gift cards. These were gifted to me by my company of the past year. Prior to this year, I had been able to use the gift cards as normal. Starting in XXXX, the Amex gift cards will be declined at about 99 % of retailers and in person stores. I was successful for about XXXX months at a local XXXX. That no longer works. 

I have contacted Amex on multiple occasions. They insist the cards are fine and that you simply need to continue trying different stores. The cards do not work on XXXX, XXXX, XXXX, XXXX XXXX XXXX big retail stores! And they still insist everything is fine. Naturally if you contact the retailers, they direct you to take the complaint up with Amex. Thus ending up in a useless cycle. 

If specific dates are needed, I tried again just this past evening and morning - XX/XX/XXXX and XX/XX/XXXX. I attempted to purchase from XXXX, XXXX, XXXX with the Amex cards. Every time the card was rejected. I have confirmed the cards are active with a full {$200.00} balance each ( {$800.00} total ).
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized hard inquiry that was placed on my credit report by XXXX XXXX  XXXX This inquiry is a violation of my rights under federal law, specifically under 15 USC 1602 ( p ) and 15 USC 1681c-2.

Violation Details : 1.Use of Information : I did not provide XXXX XXXX  with my consent to perform a hard inquiry on my credit file. The use of my personal information in this manner is unauthorized and fraudulent. 

2.Violation of 15 USC 1602 ( p ) : Under this section, the protection of consumers ' personal information is paramount. XXXX XXXX  violated this statute by accessing my credit file without proper authorization. 

3.Violation of FCRA Section 605B ( 15 USC 1681c-2 ) : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block the reporting of information resulting from identity theft or fraud within XXXX business days of receiving notice. The inquiry by XXXX XXXX  is fraudulent, and I expect it to be removed promptly in compliance with this law. 

Requested Action : I request that TransUnion immediately remove the unauthorized hard inquiry from my credit report. As FCRA Section 605B mandates, this fraudulent information should be blocked within four business days of receiving this letter.

This unauthorized inquiry has negatively impacted my credit score and has caused undue stress. I trust that you will handle this matter swiftly and in accordance with federal law. 

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a line of credit through XXXX XXXXXXXX XXXX XXXX XXXX XXXX was reportedly declined because of the following : -High average credit limit or loan amount on revolving/real property trades or credit balance to limit ratio on revolving trades -Low level of authentication indicative of first party fraud or ID fraud -Recently opened revolving trade or limited history on revolving trade The report also said my behavioral risk score was XXXX as of XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX assuming because of the previous list. 

None of this sounds familiar to me. I received this information in a notice mailed to me later after the initial application. 

I was also unable to create certain accounts being told that my information doesnt match/lineup when attempting to check into this using sites such as XXXX XXXX etc I have been trying to get in touch with XXXX  or XXXX, but every time I do, I either get put on hold forover, theyre closed, or I get told I need to have an account for them to actually help me with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being Wells Fargo 's XXXX  " 30 days late '' reporting to my credit report from nearly 7 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!
Product: Debt collection

I was paying back a debt collector- Nelson & Kennard. I was making regular payments and I couldnt pay one, so they stopped charging my account without communicating that. Then months later randomly charge my account for a little over {$1000.00} with no notice that Ive received. No email, letter, texts, call or voicemails. They drained my account to nothing right after I got paid and I cant afford gas for work, or food to survive. Im more than okay trying to pay off this debt, but when you garnish my account to nothing and I cant afford to make more money, or live for that matter it becomes a bit bothersome. I get that I have a debt that needs to be paid, but this is not the method. I owe {$2000.00} and they take 1/2 of it in one go with no notice? They call themselves lawyers, but sure doesnt feel like theyre acting on behalf of the law, feels more like the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards. 
3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices. 
4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has my credit card debt much higher than what it is. XXXX   and Trans Union also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.
Product: Mortgage

XXXX XXXX, I received a check for around {$2200.00} because there was a surplus in my escrow. I called the lender after receiving the check to confirm my escrow was calculated correctly and asked when the last time the amount was checked. I know in Michigan, summer taxes are collected in XXXX, and mine were paid ( or should have been paid ) right before the check to me was cut. When my lender confirmed the amounts were accurate, I set the check aside and went on with my day. The check included a letter saying that my new monthly payment will be around {$750.00} due to the surplus. My monthly mortgage is set to auto payments, so I don't make a habit of confirming payments are sent ; I know the funds are there. XXXX payment for {$750.00} was auto paid as usual, but I checked my account on Tuesday of this week and learned that my account was almost overdrawn due to my mortgage payment. The payment had increased with no notice to me from {$750.00} to {$1200.00} in a month. Of course I called the lender to find out why and was told " my taxes and insurance rates went down and then went back up ''. 
I work for this lender, I understand that within the XXXX year of a mortgage, taxes and insurance is not always calculated correctly, but I bought this house in 2017, there has been no insurance claims or tax adjustments. The person I spoke with could only tell me that my taxes went down, so I asked her to explain when the taxes would have dropped and to explain the insurance inaccuracies. 
My lender paid around {$45.00} for the year according to the information I was given over the phone, so I checked my account in our system, and that was right. It would seem as if my insurance wasn't paid correctly either, yet the vendor didn't force-place insurance. My escrow is included in my monthly payments to avoid me as the consumer making these types of mistakes. 
In the course of a month, I was told I had a surplus in my escrow and only to never be notified an error was made and that the check needed to be refunded. In the past XXXX months my mortgage has been : {$940.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX The lender still has not sent a notice that there was a $ 400 monthly increase. I found all of this out a day before XXXX, and to correct the mistake they made, I have to come up with the escrow shortage of {$2100.00}, pay a {$1200.00} mortgage. The consumer does not calculate the escrow fees, the lender does, they pay an entire group of people to run escrow analysis, yet somehow they made a mistake on mine and neglected to inform me about it and when I call I'm told there is nothing they can do about it. 
So now, I have to struggle to pay my lender thousands right before XXXX for a mistake I did not make or would have had no knowledge of.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I have an account of XXXX XXXX  and my friend has an account of XXXX. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I don't really accept that I had this record with these authorities/leasers. I attempted a couple of times to get in contact with them and solicitation proprietorship verification, however, they neglected to give me the significant desk work to demonstrate that I really own this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to Equifax regarding I am described as deceased. The last time was XX/XX/19 when I was asked several questions to verify my identity. I was advised that it was corrected. On XX/XX/19 my credit report was run by XXXX XXXX XXXX to obtain my credit scores for a home loan. I was advised that Equifax reported me as deceased and gave a XXXX for my credit score. I submitted a dispute with Equifax online on XX/XX/19 but I do not know if the problem was corrected because they advised me that they could not give me credit score at that time. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today that a hard inquiry appeared on my XXXX credit report. 

The company that shows a hard inquiry is : XXXX XXXX XXXX XXXX XXXX, WI XXXX I called the number of the company showing on my XXXX credit report to ask them to send a letter retracting the hard inquiry because I DID NOT APPLY FOR ANY CREDIT CARD FROM THEM. They told me they had no record of it and refused to send the letter. 


I have since put a freeze and a fraud alert on my credit to prevent any further activity.
Product: Credit reporting or other personal consumer reports

these inquires are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX