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

I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the ongoing issue concerning the correction of a late open account, despite numerous attempts to rectify it. This letter serves as a formal complaint regarding the many unsuccessful endeavor to address this matter.

I urge you to take immediate action to rectify this situation comprehensively. This should include a thorough review of my account records to identify the root cause of the discrepancy, as well as the implementation of measures to ensure that similar errors do not occur in the future.

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress made and the steps being taken to address the issue. Additionally, I expect fair compensation for any inconvenience or financial losses I may have incurred as a result of this prolonged ordeal. With this, I am asking for your assistance to correct this account n my credit file : XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Tried to login to TransUnion website to lift a freeze. After entering my username and password, I was asked to enter a code that would be sent to my email. No code was sent to my email. I tried again several times. I then tried, forgot my login information. Same thing, no code sent to my email. I called TransUnion at XXXX and was told that for online access, I needed to call XXXX. I called and was prompted to enter 1 for English. I did, but the prompt repeated several times. I entered 1 each time, but it did not accept. Then there was a menu of 6 items, none of which applied. Then the system hung up on me. There was no option for a live person. 
I then tried to contact TransUnion on XXXX and received message that they would respond in 24 hours. The response appeared and disconnected after I did not respond within 15 minutes. I tried again and was told that the unlock instructions were sent to my email. I did not receive them. I also tried their secure online help form ( screenshot attached ). After filling out my info 3 times, the screen went back to this page. This is unacceptable for a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original mortgage was with a company called XXXX. I have had this mortgage since XXXX. XXXX was merged with a company called XXXX, and beginning on XX/XX/XXXX XXXX took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, XXXX has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XX/XX/XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to XXXX, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

Filed a complaint with CFPB in XXXX XXXX  regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.
Product: Debt collection

I XXXX XXXX have disputed this debt on my credit report with the company enhanced recovery company. The company went through the investigation and promised to remove debt from credit report & did remove the debt from my report however the debt has returned and this is not my debt.
Product: Debt collection

I receive a notification from my credit bureau alerts stating of a change in my credit, upon review of the notification, I was notified that there was a collection being reported against my credit a collection that was reported opened on XXXX XXXX XXXX Reviewing my credit file it looks like the collection agency called consumer adjustments XXXX, purchase a debt from a original collector called XXXX XXXX XXXX, Which I have never conducted any business with. 

I will file a police report filing a fraud claim against XXXX XXXX XXXXXXXX and I will submit an added to this report once I get the report.
Product: Checking or savings account

I opened the new PNC checking account in XX/XX/2020 with a promotion offer of {$200.00}. I met the requirements for the offer but I have not received any update or the bonus as mentioned in the promotion offer. I kindly request the PNC honor the offer. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus, Experian, XXXX, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.
Product: Debt collection

XXXX of 2021 Ive been sending National Credit Systems about a rental dispute that appeared on my credit. Ive been sending letters to National Credit Systems and to every credit agency. 
Their information is NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX
Product: Vehicle loan or lease

I am a XXXX XXXX XXXX and purchased a XXXX XXXX XXXX from XXXX XXXX in New Jersey. The car was {$13000.00}. I put down {$3000.00} and I was told that the payments would be about {$200.00}. After signing the paperwork I was told that the payment would be {$400.00}. I am on a fixed income and I fell as though I was taking advantage of. The bank that issued the loan was Santander
Product: Debt collection

To Whom It May Concern, I am writing to bring to your attention an issue regarding a lease agreement with XXXX XXXX, a rental company, entered into in XXXX. In accordance with the terms of the lease, my roommate and I submitted a deposit upon signing. However, due to the unforeseen circumstances of the XXXX pandemic, we were unable to occupy the premises and consequently returned to our respective homes without ever having taken residence. 

Subsequent to our departure, XXXX XXXX failed to return the deposit as stipulated in the agreement. Additionally, the company purportedly sought to enforce a XXXX move-out fee totaling {$13000.00}, despite our never having inhabited the premises. We promptly disputed this request in XXXX, as it was patently unjust given the circumstances, and subsequently heard nothing further from the company. 

However, to our surprise, in XX/XX/XXXX, nearly XXXX years later, we were contacted by Genesis, a debt collection agency, claiming that each of us owed an outstanding sum of {$13000.00}. This demand was accompanied by threats of legal action and derogatory reporting to credit bureaus. Such an assertion is wholly unfounded and represents a clear misrepresentation of the facts.

Moreover, the actions of Genesis have caused us undue mental distress and significant disruption to our daily lives. Their repeated and aggressive attempts to collect a debt that we do not owe have exceeded the bounds of acceptable conduct and may constitute a violation of federal regulations governing debt collection practices.

We expect a prompt investigation into the conduct of Genesis in accordance with applicable consumer protection statutes.
Product: Mortgage

My original loan was with XXXX XXXX. I was very happy with them for years. 
They sold my mortgage to The Money Source in XX/XX/XXXX. I received letters telling me to create an online account, which I did. I was told my XXXX payment was to be sent to the new servicer. I sent my new payment via online bank with the new loan number. It was accepted and I did not seem to have a problem. 
I sent my second payment on XX/XX/XXXX via online banking for my payment due XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my bank that the payment was returned from The Monday Source ( TMS. ) I called TMS and after XXXX phone calls with individuals that just kept telling me to " call back tomorrow. ''????, I finally got a hold of someone who explained that my mortgage was not yet set up and that's why the payment was returned. This made NO sense to me, as they had accepted my XXXX payment! She said to try again the next day because she had sent a notice in to have the correct department get it set up for payments. 
XX/XX/XXXX, I re-send my payment from my bank to TMS. I checked my online TMS account daily to watch for the payment to hit. I have NEVER been late on a mortgage payment and am not happy this was showing as late. 
XX/XX/XXXX I receive an email from TMS that my payment is late!!! 
I was livid. I called and spoke to a woman who said I never sent a payment that got returned. I have PROOF from my bank that it was sent and returned. She them told me once again that my account was not set up and that my payment was probably in the process of being returned and that's why it was not showing up. 
I asked to speak to a supervisor and was out on hold, after a time I was told supervisor would call me back after he got off current call. 
It has now been 3 hours - no call from anyone at TMS. 
This is RIDICULOUS - I just want to pay my mortgage!!! If my late payment is reported to any credit institution, I have documentation and will bring a lawsuit.
Product: Credit card

I received an email from Discover, whom holds one of my several credit cards requesting me to sign a document giving them full access to go to the IRS and get my personal information. 

After talking to multiple family members, a family attorney of ours, all of whom have had credit cards and a discover card for decades. I was advised against providing this information. 

The initial email said I could contact Discover to find alternates. When I called, the rep was absolutely useless and all she offered was to escalate so a manager maybe would give me a callback. 

Nobody ever called me. 


I was also told if I didnt comply with their bullying tactics, theyd close my account and Id be left with the bill up front. I do not have XXXX to just give them on the fly! 


At this point, I want documentation for the following from Discover : 1. What is the purpose of your request. Not a generic answer. I want to know what specifically you are wanting to see. It is MY personal information youre requesting, NOT yours. You dont get to tell me what you want and I just comply. Failure to provide this will result in me seeking legal council through a consumer protection attorney. ( The family attorney I mentioned ) 2. I also want the answer to this in writing. If my account is closed am I required to pay the full balance upfront or am I still able to make payments? 


This experience so far has soured my relationship with Discover and I expect a phone call from someone in LEADERSHIP. Not some XXXX  in a call centre with a script like that last XXXX I spoke with. 

You guys have severely overstepped and failed to provide any reasoning behind this other than this is just us doing business XXXX XXXX  not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Product: Debt collection

I had originally established a repayment plan of which I had paid all but the last payment. The bank account I used to pay the account ( XXXX, had a security breach and cancelled a large percent of their customers cards due to the breach ). Because of this I had to resubmit the payment method to pay the last payment and complete the agreement, which I did. Then XXXX XXXX then did not withdraw the amount for the last payment on the agreed date. Upon realizing that the final payment was not made, I answered a collection call and spoke with a representative on XX/XX/XXXX. I explained the situation, she said that I could pay the last payment and it would be done. I was at work and did not have my debit card with me and took down her name, number and extension and told her I would contact her with the info from the card to complete the transaction. Upon calling the number I found that I could not reach her and was not able to complete the transaction. I then received a letter around the end of the following week stating that the agreement was cancelled and I now owed {$480.00} in place of the final {$48.00} payment. I contacted the number listed and was told there was nothing I could do, despite the previous efforts and attempts to pay my final payment and the company not following through on the agreed upon plan. I have tried to handle this issue with the XXXX XXXX and their inability to honor the agreement appears predatory and dishonest. They have had the new card information on file since I called it in, they had it when I was told I would have to resubmit it and they have not made any effort to mitigate their mistake of not charging the card on the agreed date before. I feel that due to their lack of responsible business practices that my debt should be considered " paid in full '' and utilize this case as an opportunity to better their employees or leadership actions to ensure that another person is n't subjected to several interruption incidences that create unneeded stress on someone who obviously is already under financial stress and trying to repay their debts.
Product: Credit card or prepaid card

At first, I applied for AMEX Blue Cash Card and got it approved. After a year, it was upgraded to BLUE Cash Preferred Card.

Later on, I put up the request for closure of BLUE Cash Preferred Card. I cleared all my dues which is confirmed by custermer care and account was closed. 
After two months of closure, AMex raised a charge of {$150.00} on my closed account, stating that " The reversal of charges of promotional reward ''. 

I enquired them from time again and again and told that the promo offer was never given to me, it was just simple upgradation. 

After 3 months, they finally lodged the dispute charge with reference no XXXX. It was attended by their staff name XXXX XXXX with employee id XXXX. But the case was never resolved. 

In the mean time, AMEX started applying the late payment fee and interest charges. Though I explained them my case and they agreed also that the mistake was at their part. I have never defaulted any payment, still they have spoiled my Credit History. 

On enquiry, I was advised that my case now has been transfered to XXXX XXXX XXXX with case no XXXX. Its been more than 1 month, my case remains unresolved. 

Due to all this, my another card " AMEX Delta Gold card '' has also been suspened.
Product: Vehicle loan or lease

I lost my XXXX  a month after I got my XXXX XXXX. I was making XXXX an hour. For the past 2 yrs. I have struggled to make my XXXX car payment every month. I have tried to refinance but my income didn't meet the income guidelines. I have had to have 3 defer payments with this vehicle. I'm jus getting further in debit with it. I am currently employed but with XXXX  and my hours and pay have been cut drastically. My auto loan is with capital one auto loan for the amount of XXXX a month. If u can help resolve this in anyway please feel free to contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I received a credit alert about an account hitting our credit. The account was for XXXX XXXX. The account showed no details, just the business name and number. I called the number listed and spoke with a rep that said the company had received numerous calls about items about credit reporting issues, and that the manager was addressing them. She then forwarded me to the manager, XXXX XXXX. I left him a voicemail along with the reference number she gave me. I didn't hear back. I emailed XXXX XXXX a total of three times, no response and left 2-3 messages, no response. I explained in my email that I was not aware of this account and wanted the details of the account. I further advised we have not received any information about this account, anything showing an amount due, date, due NOTHING. I have had no interactions with this company, prior to this credit alert. I reviewed my credit report on XX/XX/XXXX and did not see the account, to dispute however I had my credit pulled by a credit servicing company who advised the debt is still there. I emailed the manager at XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX to no response. I left a voicemail on XX/XX/XXXX and XX/XX/XXXX. We have NOT received any documents via mail reflecting this debt NOTHING. I advised XXXX XXXX I would be filing a complaint on XXXX if information was not provided to us for the debt, and still no follow up. There are two accounts being reported, based on what the credit servicing company noted, one for $ XXXX and one for $ XXXX. It appears to be for equipment lease. My husband and I had a trucking business that went under due to the economy. We returned the vehicles as the company refused to allow us to sell them. The last interaction we had with the company, XXXX XXXX XXXX, was XX/XX/XXXX. We received a letter stating the vehicles would go up for private sell on or after XX/XX/XXXX. We have not received documentation showing they were sold, what they were sold for, what the outstanding balance was, nothing. We have not heard anything from XXXX XXXX since the XXXX letter, and nothing from this company XXXX XXXX, therefore we don't know the legitimacy for these accounts.