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

I repeatedly am seeing updates on my XXXX and TransUnion credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
Product: Checking or savings account

On XX/XX/2021 i transferred " {$5000.00} '' from my XXXX XXXX XXXX Account through ACH to my XXXX XXXX account whom financial institution is " UMB Bank National Association '' XX/XX/2021 at XXXX they received the deposit AND closed my access to the account the same morning due to " Risk management '' they state. 

I've called numerous times from now up to now ( XX/XX/XXXX ) being also told that i would not receive my funds from them in check or any form from them. 

XXXX XXXX XXXX ' on XX/XX/XXXX sent a letter of Indemnity to 'UMB Bank National Association ' requesting the funds be reversed back to their institution in which they have not received any response since.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT on XX/XX/20 i submitted a dispute for the following account XXXX XXXX XXXX XXXX XXXX account number XXXX, on the first dispute of the account they verified this. so i performed my own investigation into this account, the company failed to respond to my request. so i sent a follow up letter to this company and the failed to respond to the non response letter. i sent the Credit Buerue " XXXX XXXX XXXX all of this information including a collection failed to validate, requesting deletion. i recieved nothing so i opened a dispute online and obtained a confirm number i have attached all of these files to this email. i was told i would recieve my results by XX/XX/20. i still have recieved nothing by the time of this letter. so i called the companys customer service department on XX/XX/20 at XXXX XXXX  PST time, the first individual told me that i needed to talk to the dispute department, so i was transferred, and then was oh hold for 33 mins. before i opened this complaint with the company. until the FCPDA, and FDCPA laws you as a individual have the right to dispute anything inaccuriate or incoorect on your credit file and if you dont recieve resualts or something remains on the report its a XXXX dollar fee per a vilation. everytime they cant verify. after that the first individual told me they couldnt be reached. All other Credit Bereus have removed this account after their investigation but experian refuses to remove this account.
Product: Credit reporting or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The account and inquiries in question are unknown to me and do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized or made. The information provided on some of these account has been deleted from other credit bureaus, which raises concerns about the accuracy of the reported payment histories and the validity of these XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XX/XX/year>
Product: Mortgage

Our firm, XXXX, is monitoring our client 's request for mortgage assistance with CitiMortgage ( " XXXX '' ) to help facilitate the process and ensure XXXX 's compliance with Regulation X. We previously submitted a complaint on our client 's behalf due to the repetitive and unnecessary document requests we were receiving from XXXX. Since then, XXXX still has not completed its review of our client 's request for mortgage assistance and continues to drag the process on by asking for more documents that were already provided despite informing the client that her application was complete twice before. 
We provided XXXX with the most recent batch of documents pursuant to its request via facsimile on XX/XX/2016. That same day, I called XXXX to verify the documents were received and find out if anything more was needed from our client to complete the Application review. The XXXX representative stated our third party authorization form was expired and we needed to submit a new XXXX. Later that day, we faxed XXXX the updated XXXX specific third party authorization form signed by the XXXX to the number provided by the representative. 
Then after still not receiving any update on the Application, we called XXXX on XX/XX/XXXX for an update on the Application review. We reached the assigned special point of contact for the XXXX 's loan and she stated she was on the other line assisting another customer and she would call the firm back. After not receiving any call back, we called XXXX again the next day for a status update. The assigned representative stated again that our authorization form was invalid for some reason but this time she claimed it was invalid because it was not signed by the authorized third party ( ie. our law firm XXXX. Even though XXXX previously spoke to our firm many, many times over the past 6 months using our prior authorization form, the representative was now claiming whatever we had on file was invalid without a signature from someone at our firm. The XXXX specific authorization form provided to us by XXXX in a different file does not even contain a line or space for someone at our firm to sign. Also, no other servicer has ever informed us that our own standard authorization form is invalid without the signature of someone at our firm. Even after explaining this is detail to the representative, she stated she would have to look over the file and call our firm back but still has not done so as of the date of this complaint. 
Because there is a foreclosure sale scheduled for the XXXX 's property on XX/XX/2016, we have tried several times to proactively reach out to XXXX to get a status update on the XXXX 's Application and have not been able to. We believe XXXX is now using this invalid authorization form scheme to delay the processing of the XXXX 's Application and block any efforts by our firm to assist the XXXX in applying for mortgage assistance to save her home.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ See attached documents! ] I disputed XXXX XXXXXXXX and XXXX XXXX XXXX multiple times with Transunion. I have submitted an FTC report and any supporting documents needed. Each time they have indicated the accounts were verified however, I never received an original contract with my signature from the bureau or the company reporting my information. I did NOT consent for the accounts to be reported to my credit file per Section 604 A Section 2 of the FCRA. I have a right to privacy and a right for any information to report accurately on my report. 

Transunion has violated the below laws : 1 ) Refusing to block information resulting from identity theft per 15 U.S. Code 1681 c-2 within 4 business days.

2 ) Not adopting reasonable procedures that is fair with regards to confidentiality and accuracy per 15 U.S. Code 1681 ( b ) 3 ) Refusing to delete inaccurate and inconsistent information per 15 U.S. Code 1681 s-2 4 ) Reporting Late Payments. 15 U.S. Code 1666b 5 ) Not respecting the consumers right to privacy per 15 U.S. Code 1681 section 602 A Please block and remove the accounts listed in my FTC report.
Product: Credit card or prepaid card

Continually the same problem with this bank. Incorrect balances, I can not sign into the so called MY SYNCHRONY data base t0O make a payment, Customer service experiences rude, unprofessional, uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? 

SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as XXXX XXXX!!!!!!
Product: Credit reporting

I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX the date this account was open and the amount on there is {$630.00}. On XX/XX/XXXX another account was open and the amount on there is {$15.00}. I sent letters during my XXXX XXXX XXXX XXXX with documents of my XXXX, telling the companys that these are fraudulent activities and was not authorized by me, letters was sent to the credit bureau and to the companys that been reporting these information on my profile, the companys never responded and the credit bureau never took these activities off my credit profile
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. 
With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached notified Experian, XXXX and XXXX credit bureaus. 
I've been concerned about the false addresses on my credit report. 
Also my Identity/name was incorrect. 
I've worried that having incorrect addresses on my credit report could lead to increased risk of identity theft. I have been since alerted that my Socail Security number was found on the Dark Web via XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Dear, Experian XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have purchased a fridge on amazon.con on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but it arrived damaged so I returned the fridge to Amazon. Until today Synchrony bank is NOT resolving the issue of refunding me my money of XXXX dollars and amazon is not refunding the money either. Synchrony bank gave a temporary credit but that is wrong I should get a permanent credit for my XXXX dollars since the fridge was rejected and returned back to amazon on XX/XX/2022. I do not have the fridge and so synchrony bank and amazon should refund me my money permanently. I have called synchrony bank but they did NOT call me back and they ignored my calls. This is the worst customer service ever. I want my money back since I returned the item back to amazon 30 days ago I disputed the charge with synchrony bank but they did not resolve anything and nobody has contacted me about a resolution
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my disappointment, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and  Transunion  are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,   XXXX   AMOUNT {$1900.00} PLAINTIFF  XXXX  ACCOUNT HOLDER Individual COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,  XXXX  AMOUNT {$4500.00}
Product: Checking or savings account

I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all
Product: Credit reporting or other personal consumer reports

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within XXXX  days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I cancelled my account with XXXX XXXX XXXX for our mobile phones. I had switched over to XXXX. My bill had auto paid to XXXX XXXX XXXX for 1 month in advance on XX/XX/XXXX XXXX XXXX XXXX when i called and cancelled on XX/XX/XXXX said they would refund all of my money. 
I told XXXX XXXX XXXX that I had used 8 days of service and not to refund all of the month I had paid in advance only the what I had not used. They said they always refund the entire bill. 
This went on for 3 months. I would call every month. Then I received a bill for {$190.00} and I called again. XXXX XXXX XXXX said I only owed {$48.00} for the 8 days I had used their services and they did not show a bill for {$190.00} This was on a recorded line by XXXX XXXX XXXX and I said you are sure you do not show {$190.00} you only show I owe {$48.00} and they said yes. I agree and Paid the {$48.00} Then the next month I received a collection notice from Sequim Asset Solutions for {$130.00} the balance of the {$190.00} that XXXX XXXX XXXX said I did not owe. I called Sequim and explained the whole situation to them and they would not listen. I do not owe this bill. I then contacted XXXX XXXX XXXX XXXX XXXX and XXXX took this off of my credit report. XXXX  did not and said that Sequim said I owed the bill. Which I DO NOT OWE. Now a different collection company is calling me XXXX XXXX XXXX  Now Sequim does not even have this account anymore and is still reporting on my credit report. Of which again, I had paid this bill in full to XXXX XXXX XXXX. Please help me to get this off of the XXXX credit report I have also tried to contact XXXX   again and I can not get through to them via phone. I have mailed another letter to them. My credit was perfect until this was reported and should not be reported. I w paid my bill in full. I DO NOT OWE XXXX or XXXX anything.
Product: Mortgage

I was in a loan modification and when I paid my payment the teller entered it wrong. Which cause me to be in default of payment I have receipt of payment but they would never look into it Caused me to be in forclosure and fees added to my loan over their mistake They want me to redo a modification but still have all attorney fees attached tk my loan.
Product: Money transfer, virtual currency, or money service

Venmo froze my account and wont tell me why. I can not access my funds or transfer them to my bank. They are holding my money and not letting me get to it.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report nor applied to them. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Debt collection

I received a debt collection letter for XXXX XXXX dollars due to an " unpaid bill '' to XXXX XXXX. Not only was the original bill to XXXX XXXX XXXX XXXX  but it was paid twice by accident and was refunded XXXX with a XXXX balance. It was NEVER sent to a collection agency. And it was never XXXX XXXX dollars. I contacted my XXXX XXXX XXXX the day I received the collection letter, Friday XX/XX/XXXX and verified that it was a scam and that in fact I did not owe ANY money. I do have an active account with XXXX XXXX  but that account is current. Monday, XX/XX/XXXX, Brown and Joseph called my personal phone and started harrassing me for the XXXX. When I asked them why they said it was an unpaid work mans comp contract. When I asked why it was XXXX they back peddled and said that was a mistake and that i owe XXXX. ( Which I dont ). This company uses scare tactics to try to collect. Threatening bad credit... If they are legit, they are not competent.