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

I filed a complaint with CFPB related to a wrong credit report of Transunion Intermediate holding Inc report # XXXX and XXXX  report # XXXX-XXXX  related to a past due mortgage for XXXX, XXXX XXXX and XX/XX/2019 from Specialized Loan servicing. LLC. The Loan was paid by wire from XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 by wire in accordance with the written payof demand submitted by XXXX XXXX  to XXXX XXXX XXXX. XXXX  reported incorrectly the Mortgage unpaid for 4 months to all 3 credit bureau and finally in XX/XX/2019 informed me that the mortgage was paid, balance XXXX and they reach an agreement for a very small insurance shortage of with the insurance company insuring the loan and the Title Company to no fault of myself. XXXX has informed the credit reporting agencies but only XXXX  has corrected the report and revised the credit score while XXXX and Transunion have failed to correct the information and I was advised in writing that in accordance to the guidelines they had not sufficient information to revise the credit report. all information I have available were submitted to Transunion report XXXX-XXXX  and XXXX report XXXX-XXXX. I do not understand how information are sufficient for XXXX  but NOT for Transunion and XXXX  and an application of mortgage refinance with XXXX XXXX was suspended due to the low score registered with Transunion and XXXX  while the score with XXXX  was sufficient for the refinance process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a let out on XX/XX/XXXX to Transunion, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB XXXX XXXX However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX XXXX closed in the amount of XXXX From XXXX XXXX that is incorrect From XXXX XXXX XXXX XXXX has a XXXX balance in my account thats incorrect XXXX XXXX XXXX from XX/XX/XXXX for XXXX amount is incorrect From XX/XX/XXXX XXXX XXXX has a hard inquiry For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has hard inquiries listed that are incorrect XX/XX/XXXX XXXX has a Incorrect hard inquiry posted
Product: Checking or savings account

I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. 

I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.
Product: Credit card

Consumer protection department This is XXXX XXXX I want to receive money {$810.00} I like to complain about XXXX. I had been use XXXX for long times more than XXXX as consumer. And I trust XXXX but when I started check the XXXX statement that I use it I figure out That I did not refund many items and prime membership fee that operator promise me to refund it and partial refund and others reason. XXXX copy my ideas and I have not get any kinds of advertising fee and creative fee. I ask for refund to the XXXX several time with email and chat but I only got refund several times and I also ask chase credit card for refund several times with email. But I have not received any kinds of answer. They just decline my XXXX credit card without any kinds of explanation suddenly with just send the letter to my house. So I called why did you close my XXXX credit card chase XXXX credit card told me I ask for too many disputes. Thats why they decline without out noticed. And I chat to the XXXX chase close my credit card and XXXX XXXX told me I will contact with chase bank and try to reach you what happen but I never received any kinds of phone call back. and since than I was keep ask to XXXX, I want refund that I have return the product and others but I have not received refund yet when I check the credit card statement but when I check the XXXX website they issue the credit. I explain all the situation and XXXX only gave me few of refund. Specially XXXX keep charge {$2.00} all the times. I ask XXXX I only got few of refund not all. It is been several months passed and I want to refund all the money because I do not have freedom and they use me as advertising me and especially {$2.00} seems to be nothing but it was related with a sung property retrieve money. and XXXX use it as badly. So, I am going to attach all the file That I have not receive refund. So please help me to refund my money from XXXX and the angrier part is I keep send the email and ask for refund the XXXX XXXX are keep advertising themselves with open my privacy and keep push me to buy XXXX and brag themselves they are rich. Instead of solve the problem they know that I have not get refund and they blame FBI and not gave me refund. Even if FBI did it all the customer wants to get refund that is so irresponsible behavior. {$2.00} and {$16.00} and {$14.00} I do not know how does those kinds of number came out. I am fight with giant and I am alone. Please help me to get refund and in this kinds issue even though I am radio taping Personal life I stand up for that so please support me. And I want also retrieve my chase credit card back they close my account instead of solve the problem. Then who is going to use the Credit card. So I am going to attach the all the file related with this and still XXXX keep pulling me down such as kohls XXXX drop off location is in the restroom and fire extinguisher and the back side is airplane cushion From XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Regional finance charge too much money for the small loan I received
Product: Credit reporting or other personal consumer reports

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to directly handle this issue with Experian. I want my credit report to be correct as they are reporting incorrect information. I have asked them to send me original contracts for the accounts with my signature and they have failed to do so. I have advised them to remove the incorrect addresses from my report and they failed to do so. Please remove this information from my report. Once complete, please send me a updated copy
Product: Vehicle loan or lease

ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.
Product: Credit reporting or other personal consumer reports

Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.
Product: Debt collection

I had this random collection show up on my report that I have no knowledge of from Credit Collection Services. Never notified of anything prior to. Once seeing this I requested debt validation on numerous occasions of course never getting any response. This is evidently for the amount of {$250.00} which I absolutely have no knowledge of. Family members friends and I both have been hit at multiple hours nonstop with a barrage of phone calls multiple times during the day. This company refuses any validation
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Information under FCRA Compliance I am writing to formally request the removal of inaccurate information from my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate. In particular XXXX XXXX. This entity, XXXX XXXX must be reported as disputed due to FCRA violation until its resolved by being removed from all three credit reporting agencies. 

As of XX/XX/year>, I initiated disputes regarding several items that continue to negatively impact my credit. Despite my efforts, the inaccuracies remain, and I seek your immediate attention to correct them. 

XXXX. Discrepancies in Verified Information : All three credit reporting agencies ( XXXX, TransUnion, and XXXX ) claim to have verified information with XXXX XXXX, yet each agency has concluded different amounts that I allegedly owe. This inconsistency directly violates the FCRAs requirement for accuracy. If the information were truly verified, the amounts would be uniform across all reports. 

XXXX. Misreporting of Alleged Debt : The alleged debt from XXXX XXXX is reported as a write-off, indicating that the IRS has already credited this entity for the debt. This raises further questions about the legitimacy and accuracy of the debt being reported on my credit report. 

XXXX. Inaccurate Personal Information : My name and address are inaccurately reported across the credit agencies. I have only one name and one address : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has inaccurately reported my name as " XXXX XXXX XXXX '' on XX/XX/year>. After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX then reported my name as " XXXX XXXX XXXX '' as of XX/XX/year>, but still did not address my disputed items. Recently, XXXX requested verification of my address by asking for a light bill, which further complicates the process and delays the correction of inaccuracies. 

The bottom line is that these XXXX agencies are required to report accurate information about me, and they have failed to do so as per the FCRA. Therefore, I formally request the permanent removal of the XXXX XXXX entry from all three of my credit reports with XXXX, TransUnion, and XXXX. 

Please ensure that my name is correctly listed as XXXX XXXX XXXX and that my address is accurately reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. I expect a resolution. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!
Product: Credit reporting or other personal consumer reports

Explanation : I sent a certified request to National Credit Adjusters my certified mail that was received on XX/XX/XXXX, asking for validation of the debts they were reporting on my credit profile. 

Despite receiving the request, and after several updating calls representatives of the company explain that they have under no obligation to provide validation or cease reporting inaccurate information. 

Below is the detailed breakdown of the accounts reported by each credit bureau, including the account numbers, original creditors, dates opened, last activity, high balance, unpaid balance, and account status : XXXX : 1. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Closed 2. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Closed 3. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Closed 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Closed XXXX : 1. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Open 2. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Open 3. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open XXXX : 1. Account number : XXXX Original creditor : CXXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$130.00} Unpaid balance : {$130.00} Status : Open 2. Account number : XXXX Original creditor : XXXX XXXX XXXX  Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$300.00} Unpaid balance : {$300.00} Status : Open 3. Account number : XXXX Original creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open 4. Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Last activity : XX/XX/XXXX High balance : {$310.00} Unpaid balance : {$310.00} Status : Open
Product: Credit card

On XXXXXXXX XXXX XXXX, I was in XXXX with my wife and we took a cab, about a XXXX XXXX trip. The cab driver asked me for a card, said " no cash '', and then tried to run my credit card but said it " did not go through '' - he then accepted cash. 

Later, when we returned home, we checked our credit card statement and had a charge for almost {$900.00} from a vendor we did not recognize. We determined based on our review it has to have been the cab company. 

Citi explained that because I did not have " proof '' of the transaction, a credit card slip, they could not help me. I explained that there would not be a credit card slip because the cab driver said the charge did not go through, but then later charged me almost {$900.00}. 

I did not authorize the transaction on my statement for {$890.00}. I do not have a sales slip, because I paid cash, but the cab driver scanned my card and told me that it didnt go through suggesting he did not have an internet connection, or that it was malfunctioning. 

I did not authorize any transaction from XXXX * XXXX XXXX XXXX XXXX XXXX and I am not able to contact this vendor. I can not contact the vendor as Citi has suggested I have no information on this vendor. If you XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX you do not get any results. This was a cab driver in downtown XXXX, XXXX, and I have no reason to document the cab # and no realistic way to contact this vendor. Presumably Citi bank would have some information on this vendor since it works with them on payment processing. This is why I can not speak with the vendor to resolve the issue. 

I attempted to resolve this by filling out the dispute paperwork and spending 2 hours on the phone with Citi. Ultimately, they said they could resolve this by awarding me a {$240.00} credit. I reluctantly said " fine '' but want to file my complaint anyway. This policy is ridiculous, implies that I am lying to them, and offers cardholders no support. Citi should put the burden on the VENDOR to prove I signed something which the vendor can not do.
Product: Debt collection

This company agreed to let me pay this off in full with NO interest. I have EMAIL records stating this from them. I have reached out multiple times with ZERO response or resolve.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer on XX/XX/year> in the amount of {$1000.00} and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Debt collection

I disputed an account ( Account Number : XXXX ) with LVNV Funding LLC aka Resurgent Capital Services because I believe it is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I formally requested debt validation, including proof of the original agreement, a complete chain of assignment, and a detailed breakdown of the balance. Instead of providing the necessary documentation, the company responded by labeling my dispute as frivolous and refusing to conduct an investigation. This violates FCRA 611 ( a ), which gives consumers the right to dispute inaccurate information, and FDCPA 809 ( b ), which requires debt collectors to verify request. Their failure to investigate means they are potentially reporting inaccurate, incomplete, or unverified information, which is damaging to my financial standing.