23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I there a debt consolidation loan in the amount of {$25000.00}. I was approved by Upgrade and all the funds were sent out to the credit cards on XX/XX/XXXX. There was another loan in my name for {$25000.00} Again all the funds were sent out to all my credit cards in amount of {$25000.00}. On XX/XX/XXXX or XXXX I canceled the upgrade loan due to the fact that I have already had a loan of {$25000.00} and started the process of sending all the funds back to them, it was a very easy process all the debt cut all the credit card companies sent me a check I put it through my bank and then ice directly sent it back to them. As of today I only owe {$9100.00} to Upgrade on or around XX/XX/XXXX when I saw that the Upgrade account wasnt being debited {$5600.00} I called to ask them why. And thats when I realized that XXXX XXXX there were two payments one for XXXX and one for XXXX. That have never been credited to my account. I sent Upgrade a letter from XXXX XXXX stating that the funds were sent back through the bill pay service that they received it. And this has started a 15 month battle of searching for the {$5600.00} fines the XXXX XXXX says they sent and Upgrade says they never received as of XX/XX/XXXX. The funds still have not been credited to my account therefore I am in default with Upgrade for {$9100.00} when this loan clearly shouldve been closed back in XXXX when they received all their funds back XXXX XXXX and Upgrade fail to look for this money now its {$8100.00}. XXXX XXXX  has since tried to send back another {$2600.00} and put a refund back on my account. Therefore I am over the limit and once again another payment lost I have been on the phone I have sent emails I have begged I have pleaded I have given trans numbers I have giving letters I have given both companies everything that I can to work this out and get this settled. I am not at fault here its clearly their fault that I am the one who is being punished with my credit score diminishing on a daily basis, this is my second complaint the first one with XXXX XXXX that I did on Monday XXXXm doing this one today for Upgrade financial services their bank is XXXX XXXX bank. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 15 USC 1681 Section 602 StatesI have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a. consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payments on a credit card account under an open end consumer credit plan as a late purpose
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and inquires they are unverifiable and fraudulent please delete these accounts and inquiries immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Checking or savings account

I experienced fraudulent charges on my account on XX/XX/XXXX. I immediately filed a claim in the amount of {$4200.00}. Wells Fargo not only filed the claim incorrectly but cost me XXXX of dollars in time with their unprofessional service. I then went to the bank to file a complaint. Within a week of no warning or communication, my debit card was canceled and a temporary credit in the amount of {$4200.00} was placed on my account on XX/XX/XXXX. I called to find out that they had refiled the claim, correctly this time, in the amount of XXXX. Claim ending in XXXX. From that time, I spoke with 5 different representatives. Three from the claims department and 2 from the executive office. the two claims representatives that I spoke with on XX/XX/XXXX and XX/XX/XXXX informed me that the claim was being finalized in my favor and that the temporary credit of {$4200.00} was not a permanent credit. I asked for additional confirmation several times on a recorded line due to receiving misleading information since the original claim had been filed back in XXXX. I was told that the information was true and correct and that a letter stating this information would be mailed out to the address on file on XX/XX/XXXX. Now, today XX/XX/XXXX, I spoke with claims representative number 3, and the information that I have received is completely different with zero resolution as stated before. I am extremely frustrated dealing with this misleading fraudulent company. I am requesting an investigation be opened and have contacted the executive office once again to file a new complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on their web site to get more information on how their program works. You have to put in information but i was not trying to sign up for the program. they have me signed up and i never did and its reporting on my credit reports as late payments. I tried contacting the company and their answer was to explain to me how their program works. I also tried disputing on my credit report with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to follow up on a dispute I initially filed in XX/XX/year> regarding duplicate charges from the XXXX XXXX XXXX XXXX. The charges in question were posted on XX/XX/year> in the amounts of {$170.00} and {$480.00}, which I identified as duplicates of the correct charges posted on XX/XX/year> in the amounts of {$550.00} and {$1300.00} for my stay. 
Despite filing my dispute in XX/XX/year>, I never received a response from Chase and was forced to resubmit my dispute on XX/XX/year>. Chase eventually responded, claiming they investigated the charges and determined them to be valid. However, no supporting documentation or reasoning was provided to justify this conclusion. 
In response, I sent my original billing folios, which show only the correct charges from XX/XX/year> and no record of the duplicate charges on XX/XX/year>. I re-disputed the charges once again but received only the same generic response from Chase, again lacking any supporting documentation or explanation for why the duplicate charges were deemed valid. 
It is important to note that these charges are clearly phantom charges made in error, as the XXXX XXXX XXXX XXXX has confirmed they are unable to locate these transactions in their system and therefore can not issue a credit. In fact, it was the XXXX XXXX that advised me to dispute the charges with my bank, which suggests that Chase may have failed to properly present the chargeback to the merchants bank. Additionally, Chases failure to respond to the initial dispute within the required timeframe raises further concerns about whether this matter was handled in accordance with proper dispute resolution procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not provide a credit report via the online request without a cell phone number. Thru the FTC website, I tried to request a copy of my credit report from TransUnion on XX/XX/2023. They already had my landline number but the online request form requested a cell phone number, which I did not fill in. There was no indication on the form that cell # was required, but when I tried to go to next step, message came up that I had to provide a cell number. Didn't see a phone number for TransUnion that I could call to resolve this problem.
Product: Student loan

I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.
Product: Credit reporting or other personal consumer reports

I tried on multiple occasions to get inaccurate information removed from my report by sending signed notarized letters to this company. I request that closed accounts be removed due to being outdated and/or inaccurate. They refused. I have sent notices requesting information from original creditors to be sent to me. This issue is affecting my life to move forward. They are reporting late payments on closed accounts that need to be removed. The investigation is inaccurate and they are ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that I've missed payments to one of my lenders XXXX and that my balance has went up, presumably from missing payments, interest, and possible penalties, though XXXX XXXXoan payments are suspended until XX/XX/2022. XXXX has never mailed me a statement, either.
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 Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Unauthorized Credit Inquiries Dear Experian, I am writing to dispute unauthorized credit inquiries made by the following companies, which I discovered while reviewing my credit report obtained from your bureau. I have not authorized any of these inquiries into my credit report, nor have I given consent to any companies to access my personal credit information. 

Inquired Entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ), a company must have a permissible purpose and my written consent to access my credit report. These inquiries are a violation of my privacy rights and federal law.

I hereby request the following : Provide me with a copy of my signed authorization form granting permission to these companies to access my credit report.

If you can not provide proof of authorization, please immediately remove these unauthorized inquiries from my credit report.

Please provide written confirmation within five ( 5 ) business days to verify that my request has been addressed. Failure to comply with this request will leave me no choice but to pursue legal action, including seeking statutory damages, punitive damages, and recovery of reasonable attorney fees as allowed under 15 U.S.C. 1681n.

This letter serves as notice that I am serious about protecting my legal rights. If you need to contact me, please do so in writing at the address provided above or via my phone number. 

Sincerely, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX IA XXXX
Product: Credit reporting, credit repair services, 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  Account XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
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 U.S.C 1681 FAIR COLLECTIONS & O. Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. 
They never verify. I did send them letters they didnt respond.
Product: Credit reporting

My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries AMERICAN FIR Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX  XXXX  Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX  IN XXXX Balance Owed : {$3800.00} ; XXXX  XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section2 : 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: Credit reporting or other personal consumer reports

XXXX XXXX TransUnion has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX & TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX & Transunion 's inaction violates violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( XXXX ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Experian and XXXX regarding XXXX XXXX XXXX, aka XXXX XXXX XXXX XXXX XXXX for XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXX XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter