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

I have been reaching out to XXXX and Transunion regarding an account that was placed on my credit report back in XXXX with XXXX XXXX XXXX. I have sent over 10 letters and verification of all documents requesting that an investigation be done since this same account was on my credit report under XXXX years ago and was removed from all 3 because I do not owe this debt. The company just sent me a signed contract from XXXX on XXXX XXXX which very well indicates a one year contract which I canceled because # 1 my house was broken into and # 2 XXXX went out of business after filing a Chpter XXXX. I have contacted this debt buying company as well to get this information removed, I have filed several complaints with the XXXX XXXX XXXX and with the CFPB because 1st I never received the validity of the debt within 30 days of request. Also it's a debt that I donot owe. Both XXXX and Transunion continue to Update this information from XXXXXXXX XXXX   with out any verification. Therefore I have also seeked an attorney for assistance and received a call from XXXX on Friday XXXX XXXX from XXXX XXXX XXXX telling me that he received an email from XXXX indicating that this was a verbal agreement to continue my contract with XXXX he also stated that there was no signed affadavidit however he would send me what they received. So therefore there is nothing showing I owe this debt and there was never a conversation that we can go to court on stating I agreed to this, .Credit report shows placed for collections XXXX howeer this was added in XXXX indicates that XXXX/ XXXX is the company and my paperwork which they sent me states XXXX XXXX which was the solicting company working for XXXX.
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.In accordance with the Fair Credit Reporting act. 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 EXPERIAN REPORTING XXXXXXXX XXXX XXXX XXXX Accounting # XXXX and XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX REPORTING AGENCY, XXXX  XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX.XXXX  REPORTING AGENCY, XXXX  XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX Account XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have tried to register on the Experian website on XX/XX/year>. When entering my last 4 of my SSN and mobile number said it could not verify me and needs more information It suggests to call the Experian customer service line on XXXX but I amunable to get assistance as the automated answering service keeps saying it does not understand my problem and won't transfer me to an agent as it says it needs more information. 

I would like a way to get through to an agent to discuss and resolve my issue.
Product: Checking or savings account

Today XX/XX/2018, I had a total of {$120.00} in my checking account. Now I checked my account and Wells Fargo has slapped me with a {$75.00} over draft fee. They said I sent money to my son via XXXX. Help me understand if my account had no money how can I transfers XXXX to my son XXXX account, this XXXX doesnt add up. Over the weekend I deposited {$350.00} into my account and now Wells Fargo wants to charge me over draft fees, I spoke to a few customers to reimburse me but they all had different stories. I have call in the pass to not let let transaction go through if I dont have enough money but Wells Fargo fails to to protect my account but instead they steal me by charging me and I am so tired of it, that I will bring this matter to my lawyer and we will see them in court. I would appreciate it if they reimburse me that {$75.00} back to my account because I dont just sit on my XXXX and receives money, I work really hard for XXXX to rob me. I am utterly disgusted at how they steal and rob poor people like me. I will post this comment on XXXX so it can go viral and my statement. I am done playing games with Wells Fargo. 
I would like my refund of {$75.00}. Thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account " XXXX XXXX XXXX XXXX '' this account is closed and it's now it's reporting as open, this is a violation of the FCRA. I want this account removed from my credit report, I intend to file suit if this account isn't removed.
Product: Credit reporting or other personal consumer reports

Experian, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance.

Despite my previous two ( 2 ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. 

XXXX Possible- XXXX You report I was XXXX on my payment history but XXXX has no late payments in fact that have no payment history at all where you state that I have only made XXXX % payments on time. 


XXXX XXXX XXXX XXXX Date of last activity is a whole year difference then what XXXX has reported, you also report I was late XXXX and XXXX has no history at all . You state I have only made XXXX % of payments on time but XXXX doesn't state that. 


XXXX XXXX have this account as closed and XXXX has it as a open account, You report that I have only paid XXXX % of the account and XXXX has no payment history where you report a charge off almost every month. XXXX has removed this account already. 
The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request. 
The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( 4 ) of the FCRA. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX
Product: Debt collection

Convergent Outsourcing INC is reporting a debt for {$1500.00}. 
I have no knowledge of this account and never received a phone nor proof of this debt and every thirty days this company is reporting to my account. Ive sent a letter to have alleged debt validated and received no response. Its been over 3 months.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following Equifaxs instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my report.
Product: Credit card

I was sold a 0 % interest line of credit on the death bed of my cat. What was not communicated was that the terms of the 0 % interest was for a promotional period of 18 months. When I set up my account I set my statements to be electronic and to use and autopay to send the minimum payment because that made sense to slowly pay off my perceived 0 % interest loan over a time period.

Imagine my surprise when I open my account once opened {$3200.00} account I opened to pay off end of life charges for my recently deceased pet, had an account balance of {$4600.00}, after I had been paying it off for nearly 2 years. 
I was told many times that nothing could be done and I just want to make others aware of the predatory nature of this lender so no one else falls for their bad business practices.
Product: Debt collection

This skip tracing company and collector kept calling me and other family members trying to collect a debt I do not owe. I have 6 calls on recording and bills ( see attached )
Product: Student loan

I recently had a hard pull from ACS Educational Services , Inc. on my credit report. I am not familiar with ACS Educational Services. I did recently apply for a Direct PLUS loan from XXXX, however I noticed ACS is not a Direct servicer. I tried to call ACS but they only accept calls from current customers, which the system stated I was not. I have filed with the Ombudsman at XXXX as well, but I wanted to file a report here because my grad school financial aid has never heard of ACS Educational Services , Inc. and was not able to verify if they were a Department of Education contractor or not. I am not sure if that hard pull is related to the Direct loan or not.
Product: Credit reporting

On XX/XX/XXXX I disputed information on my Experian Credit report that did not belong to me. There were XXXX adverse accounts from XXXX that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XX/XX/XXXX I received a mail correspondence from Experian, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XX/XX/XXXX I logged in to my Experian credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with Experian on XX/XX/XXXX to get these items removed. I received a response from Experian on XX/XX/XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, XXXX that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that Experian has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.
Product: Credit card

WELL, MY ACCOUNT WITH SEARS CITIMASTERCARD WAS OPENED BACK IN 2013 WITH AN ORIGINAL CREDIT LIMIT LINE OF {$5000.00}. NOW, FOR REASONS UNKNOWN OR FOR REASONS OUT OF SPITE OR DISRESPECT, MY CREDITOR JUST RECENTLY LOWERED MY CREDIT LIMIT LINE DOWN TO {$4200.00}?! NOW, WHAT THAT MEANS, IS THAT CITIMASTERCARD WILL CONTINUE CHARGING MY FEES FOR BEING OVER THE LIMIT AT NO FAULT OF MY OWN!! UNLESS I FILE BANKRUPTCY? I TRULY BELIEVE THAT CITIMASTERCARD ENGAGES IN USARY & CHACANERY & FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - XXXX Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I receive a letter on XX/XX/XXXX XXXX XXXX charging me for late fees. 

I called XXXX on XX/XX/XXXX they said I don't have an account with them. 

XX/XX/XXXX receive a letter Credit Card Collections Service is is charging {$250.00} behalf for XXXX. 

I called XXXX XX/XX/XXXX then couldn't find a resolution. I was told the billing company will try to get a hold of me in a few days. I did not receive a call so I called XXXX again XX/XX/XXXX and they found an account with my Father 's name and its about XXXX XXXX XXXX. Me and my father never use XXXX XXXX XXXX. XXXX said they forwars this message to there other department in 24 hours again I did not hear anything back. I again called XX/XX/XXXX XXXX and they said they couldn't do anything about it and contact debt services. I tried calling debt services and I was told To call back XXXX. 

This matter is not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC IDENTITY THEFT REPORT Attached Transunion is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX DEPARTMENT OF EDUCATION DATE : XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$8600.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Payment made are debited from my bank and posted to my credit card account but the funds are held and not made available for use for as much as 14 days. It appears that the funds not made available are being used by the credit card company for investment or other uses. They are using money that in effect still belongs to the customer until they become available for the customer 's use.
Product: Debt collection

On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from Selip & Stylianos because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only XXXX XXXX credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a XXXX XXXX bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and XXXX XXXX, in which XXXX XXXX responded with a letter dated XX/XX/XXXX. 
In this letter XXXX XXXX states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the Attorney Network ( NAN ) with the firm Selip & Stylianos, LLP on XX/XX/XXXX. This firm was previously called Cohen & Slamowitz , LLP. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. XXXX XXXX also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XXXX which happened to be a secured XXXX XXXX credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from XXXX XXXX or Selip & Stylianos regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back
Product: Mortgage

As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not talk to anyone at experien credit reporting agency. They have no way to talk to a real person. I have filled a dispute at their sight and no response. I have tried to get through their phone tree but I can not get to a real person.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>