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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} - XXXX XXXX XXXX XXXX : {$600.00} - XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : $ XXXX Here 's every account on your Equifax report XXXX Click on the account name for more details. 

XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). 

Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XX/XX/2024, I have reached out to Transunion and the collection company, XXXX regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XX/XX/2024 stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on 2 separate occasions and no further action has been taken. I've been getting the complete run around. On XX/XX/2024, the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. 

During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. 

Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. 

In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. 

I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I made an online payment on JCPenney 's storecard for the amount of XXXX XXXX. For some reason, the website was slow to respond and I tried to restart from the very start and try the payment one more time. After refreshing the page, I received a payment confirmation that payment went thru. A day later on XX/XX/2018, I received a note from my bank notifying me that I already have a negative balance. I called JCPenney 's Synchrony Financial the next morning informing them of the mistake and requested that they expedite the refund. They told me to fax my bank statement showing that the amount was actually debited from my account and they will consider the refund. I faxed them the statement that very morning. I followed up 2 days later and they informed me that they just started a case for my request and it will take 2-3 weeks to process the refund. I begged for them to expedite. I contacted them a day later to plead my case one more time and sent them a faxed letter, pleading for them to expedite my case one more time. Still no answer. Still no confirmation or case number was provided. I just dont understand why it will take this long to process a reimbursement, and why there are no security measures on their online payment system to prevent accidents like this.
Product: Debt collection

In response to the XXXX from XXXX who gave me the deceptive trade practice credit of {$1000.00} as you stated the ruling won't change and my litgstioj about this debt won't change at all this is the same complaint logged on you to this matter is settled from the one dismissed refiled and also do not apply for any benefits in my name your bank at all I refile the same case also please don't go to the courts ssa or section 8 no more about me and please send me no more mail and do not keep.letting my mother apply for benefits in my mame as I told XXXX XXXX I do not give them permission as a XXXX XXXXXXXX the one who convicted XXXX
Product: Credit card or prepaid card

on XX/XX/18 someone used my XXXX  XXXX  card number ( card was not stolen ) to make 2 purchases at XXXX in XXXX XXXX NY one for {$15.00} and one for {$170.00} both cleared on XX/XX/18 after i had already called XXXX  XXXX  from finding it online at there website. why they can not stop payment needs to be addressed, they canceled my card and sent a new one about 5 days later, they also sent a fraud questionnaire which i returned on XX/XX/XXXX. along with a police report from the XXXX. over the next 23 days i kept calling and they kept saying they have not received my letter and nothing could be done as far as a provisional credit for my account.i informed XXXX XXXX  personal every time i called that i have been completely out of money ( i mean not even a dollar bill ) since the XXXX of XXXX. calls made on the XXXX. on the XXXX a XXXX XXXX  lady said ; we received your letter on the XXXX but that is 2 days past the deadline for a provisional credit. note ; ( on the XXXX. XXXX  XXXX said they had not received my letter yet. ) i told the lady i can not control the mail and it is the holidays so it may have been a day or 2 at most delayed and your going to tell me i will half to wait until the investigation is finished before giving me the credit! she said ; we can not control the mail either, can i help you with anything else. i said yes, you guys can do what your suppose to do and credit a persons account not make some excuse about the mail being late.later that same day a man from XXXX XXXX called named XXXX he said he received my request for expedited case, i said today, he said yes, i said a lady from XXXX XXXX  did that back on the XXXX 4 days ago. he said we received your letter but there is no postmark on the envelope, i said you can be sure the letter inside has a date on it. he said i will try and get this information to the investigator on Monday the XXXX. i asked him if that person works in the same building, he said yes. i said you have got to be kidding me, he's in the same building and you can not walk over to where he is and give him this information. i told him the entire story from the XXXX of XXXX to now, he said ; i will see what i can do today, i said i would appreciate that. it is now XX/XX/18 and my account still shows XXXX  balance and both fraudulent charges still appear on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a company called XXXX XXXX XXXX on XX/XX/2020 about a special they advertised online for the {$390.00} pool. I spoke with a rep named XXXX and I asked her about the special. She explained to me the size of the pool and asked if I was the owner of the home. She told me that she could schedule a consultant to come out and give me more information about the product and to let us know about the installation process. She asked for my name, address, and date of birth to show that I was over 18yrs of age. She then scheduled an appointment for someone to come out on XX/XX/2020 to discuss the special for the {$390.00} pool. Once the call ended I searched online about the company and saw that they had several bad reviews. I immediately called the company back to cancel the appointment. On XX/XX/2020 I received a credit alert from Experian and it said that the company XXXX XXXX XXXX had conducted a hard inquiry on my credit report. I was very upset that they conducted an unauthorized credit check. I never gave them my social and they never even asked or told me anything about they were going to have to do a credit check. I then tried to contact the company by phone, but the phone just rang and rang with no answer XXXX. I contacted Experian and spoke with a rep named XXXX who states she couldn't dispute the information on my credit report and that I would have to contact the company and ask " Why did they run an unauthorized credit check? '' This company is bad business just like everyone one else is saying online. They are conducting unlawful practices and they need to be stopped!! I am so glad that I cancelled the appointment within 10 minutes of scheduling it.
Product: Prepaid card

on the XXXX of XX/XX/2023 I received funds issued from ky XXXX XXXX to my US bank reliacard in the amount of XXXX. I went through the process of activating the card and asked to speak to representative to make sure I had done it correctly. It had been immediately frozen, due to the bank placing a note on my account that was for another person and account all together of which myself nor Ky housing had any idea who they were. They stated I had to fax in my identity documents and that of XXXX XXXX who I had no idea who was so how could I send in her documents. They just kept blaming ky housing for making a mistake. Ky housing called them and discovered that someone with Us Bank had put a note meant for someone else on my account. They still needed my documents for over a week kept giving the same fax number that literally did not work, I repeatedly called and begged for another fax number or another way to get them my documents, so we could get this fixed before XXXX that money on my card was going to their gifts. They refused to give me any other answer for over a week. Finally, after asking several times they allowed me to speak with a supervisor who gave me a working fax number. At this point everything was straightened out and they just needed these from me. This was on XXXX. I call the next morning to verify they received it and makesure they were making good on their promise to unfreeze my account, and this time they my documents were to dark and I would have to return to the store here to fax them again and have them adjust the lighting on the documents. Which I immediately went and did trying to work with them to get this done as soon as possible. Ive literally begged and pleaded with them since the XXXX of this month. Have jumped through every hoop they asked, had the government agency that issued me the card the benefits contact them personally and verify all my information that Us bank had made the mistake, and requested that it be corrected as soon as possible cause Ive already been with out this money since the XXXX for absolutely no reason at all. I called again today to check in, and the representative wouldn't even take the time to read all the million notes in my account, said highly unlikely anyone would get to this today either and that now its looking to be into XXXX. 
Even though they were just fined for freezing benefits card during the pandemic, they are continuing to do so, and giving no reliable or outdated information on how to correct it. Even after doing everything they request they continue to find some other way to drag out unfreezing the account. What bothers me is that they know this money is my kids XXXX money, and they could care less, they have my identity documents, they have the verifying information from ky housing, their is absolutely no reason for them to keep holding my money and yet they continue to do do.. Because of them my children wont have a XXXX this year.
Product: Credit reporting or other personal consumer reports

recently, I did an investigation on my credit report which cause me XXXX XXXX. 
finding out that there's incorrect, invalidated, inaccurate, unverifiable, and questionable items on my credit report that your agency didn't make sure was 100 % correct. 
in accordance with the fair reporting act. everything has to be 100 % accurate on my credit report and under 15 us code 1681e ( b ) and 15 us code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

as well as, 15 us code s-2 responsibility of furnishers 15 us code 1681i ( 5 ) ( b ) reinsertion of deleted item 15 us code 1681i ( 2 ) ( i ) ( ii ) procedure in case of disputed accuracy which are also in violation of my rights under the fair credit reporting act? 

the credit reporting agency stated that these accounts were properly investigated and come back as verified. however, how is this true when there are several inaccuracies showing on my credit report, causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as a consumer, I respectfully request to know all the steps your agency took to insure that all these accounts are 100 % accurate. 15 us code 1681i ( 7 ) method of verification- description of reinvestigation process RESOLUTION as a consumer and American citizen, by law my credit report must be made 100 % accurate immediately which is in the best interest of justice. i respectfully ask that the credit reporting agency update with 100 % accuracy and/or delete all the inquires, inaccurate information and fraudulent accounts listed in my complaint. 
please and thank you. 

I have also filed an identity theft report with the federal trade commission to protect my consumer rights. 

identity report and federal trade commission reference number. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX PayPal merchant id : XXXX Last XXXX : XXXX XX/XX/XXXX gift of {$1000.00} from XXXX XXXX They restricted my account. I sent credentials they asked and reason. I called XX/XX/XXXX appealed, they said I would get contacted but didnt. I called XX/XX/XXXX to confirm the appeal they said the decision was already final and they couldnt provide any information. I will not be able to transfer my funds for 180 days. It funds for XXXX  how am I supposed to wait 180 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct is still showing on my TransUnion Credit Report, when it should have been removed for failure to verify. XXXX XXXX was removed from my XXXX  Credit report for this reason, but TransUnion has yet to remove it from my Credit Report. 

This account should have been removed as it was not properly verified and they never reponded to the original complaint with cfpb.
Product: Debt collection

The insurance company was slow at paying car off after it was totaled i payed what they did not which was a XXXX dollars And they are reporting i was late on payments and i deffinetly was never late they since have given me another loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to transunion and XXXX. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately
Product: Mortgage

I purchased my home in XX/XX/XXXX. My first payment was due XX/XX/XXXX. The first payment was made to CalCon dba One Trust Home Loans on XX/XX/XXXX. 

XX/XX/XXXX I was notified that my loan was being transferred for servicing to XXXXXXXX XXXX payments were to be sent to XXXX on XX/XX/XXXX. 

XX/XX/XXXX a new transfer letter was sent stating that my loan was being transferred from CalCon ( acct XXXX XXXX to CalCon ( acct XXXX ). So on XX/XX/XXXX I made the XXXX payment to CalCon ( XXXX, as they they stated acct number XXXX would accept payments until XXXX ) On XX/XX/XXXX I received an additional transfer letter stating that the XX/XX/XXXX letter was sent in error and I should not send payments to the new account number ( XXXX XXXX, but should continue to make payments to acct XXXX. 
I then made my XXXX payment to XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I received another transfer letter that the loan was going to XXXX. 

Throughout this process - XXXX was not notified they did not have my account and every time I called CalCon they said the account was theirs and not XXXX 's account. 

The issue is now XXXX actually does have my servicing of this loan but they are in belief they have had it since XXXX and they have now reported me as making a late payment and as of XX/XX/XXXX ( that is the date the payment was reported late ) my credit score has just dropped XXXX points as a result. 

The other issue of concern is that both XXXX and CalCon have been reporting to the credit bureaus the same loan and it looks as if I have over {$400000.00} in mortgages and I only have a {$200000.00} loan.

At first it would have affected my ability to refinance as it looked as though I had 2 mortgages ... now it is seriously hurting me because I am being reported as late and I have made all of my mortgages on time. 

I sent emails to both companies and the only response that I receive from CalCon is an automated " we have transferred you loan to XXXX effective XX/XX/XXXX and if you have any issues, you need to contact XXXX ''. I have received this automated email at least 3 times and no one is addressing their mistake and the financial harm that they have caused.
Product: Credit reporting or other personal consumer reports

I sent in ftc report, incarceration report to transunion. They then said they verified a debt that they couldnt have verified because i did not open this account. i then asked them how did they verify and they ignored my request. i gave them 30 days to respond and they ignored the ftc laws that says that they have to provide me with the method of verification which is a live human. They also are violating metro 2 Compliance as the reporting is not the same across the board, as experian and XXXX have removed the following account : Account name : Account number : Account Amount ; i have attached my experian report when that account was reporting and i also attached my experian report once it was removed. 

I have also attached my FTC Report I have also attached my incarceration report that shows i was incarcerated when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement with Westlake Financial. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.
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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 


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.
Product: Checking or savings account

In early XXXX I deposited a check for {$200.00} from XXXX XXXX at an ATM in TD Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX The machine kept my card and the check and closed down. I parked and went inside and was told, Weve been having problems with that machine. The young man who took the report was quite polite and competent. He made me a new ATM card, and within a few days the money was in my accountfirst {$.00}, then {$190.00}. 
Routinely checking transactions by phone in XXXX, I learn that TD withdrew {$200.00} from my acct., plus a {$15.00} bounced check fee! Called TD and was told to call XXXX XXXX to see if they received duplicate checks. They did not and said it was a bank error. The bank did waive the {$15.00} fee but I still have not received the {$200.00}. 
I received a letter from TD with a copy of the check and a totally different reverse side Without my signature or acct. #. I have made multiple calls to different help centers of TD, hanging on phone for approximately 40 minutes each time! Was disconnected, the last person said that it was cashed at some other bank!!! Have been with TD over 30 years in XXXX region, and highly recommended them. No more!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX