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

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a XXXX clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a Acima collection reporting on my credit report that I do not know what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sued by XXXX XXXX XXXX and set up payment arrangements with the firm how is it still showing up on my credit report as negative.
Product: Bank account or service

Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate my XXXX XXXX , XXXX . It is still shows as me having a payment and I do not have a payment. 

Equifax did not investigate my US Dept of EducationXXXX as it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX
Product: Debt collection

I didnt received a letter or was never aware of such account in collection..
Product: Credit card

Hello I have a Paypal account and their APR is at 30 % and 28 %. If I'm 1 day late they charge a late fee the next day. I called them today XX/XX/year> at XXXX XXXX XXXX and ask to lower my APR and they refused to. I cant pay this bill down because every time I send a payment in the next month they charge over {$100.00} in interest. Some thing needs to be done because they are robbing people.
Product: Payday loan, title loan, or personal loan

One year ago I bought a couch at XXXX XXXX XXXX and they set up a 12 month interest free loan to pay off the couch. I have received bills monthly from Wells Fargo to pay off the couch that asked for a minimum amount of {$84.00} ( this should have read " recommended amount to pay-off in 12 months = {$210.00} '' ) Since I did not pay off the couch during the 12 month interest free timeframe, I got charged an additional {$680.00}. But I find this deceiving since the bills that I received never asked for more than a minimum payment. 
I understand now that this is a deferred interest loan, but it seems like I was set up to fail and pay the {$680.00} interest on the loan. 
I reached out to Wells Fargo who I have been a customer with for almost 25 years and they were able to decrease the interest payment to {$510.00} if I paid the loan in full amount of {$1700.00} within 72 hours, which I did just to be rid of another bill and more unseen fees
Product: Debt collection

I consumer XXXX XXXX have tried to resolve this matter with Fair Collections and Out  and they have constantly violated my rights as a consumer according to 15 USC 1692 c ( 1 ). They are defaming my character and ruining my reputation. My rights are to be protected. This account needs to be removed from my credit profile. I have attached my license. I am due remedy based on this company violating my rights as a consumer. I have sent my invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have now been three attempts to validate XXXX XXXX XXXX account on my credit file. Their investigation conflicts with XXXX investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and XXXX and Equifax have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I am a victim of Equifax Data Breach. This information needs to be removed.
Product: Mortgage

I am a XXXX, my wife and I applied for a mortgage loan, we got a prequalification letter from a cornerstone loan officer ( XXXX XXXX, Tx branch ). We went over the process, we provided all document asked from us in timely manner. After about 60 days from the time we got a prequalification letter, the loan officer asked for one last critical document the day before closing, again the day before closing and we provided the document within an hour, then the loan officer assured me that everything was looking great. The day of closing, after couple months, the loan officer calls and say that they ca n't give us a loan. Now, remind you that took her 60 days, in which communication was horrible, could never get hold of loan officer. I have emails, text messages to prove everything I said. Not only that, when I was trying to transfer the file to a different lender, it was such a hustle, after so many attempts in the phones, I had to drive to their office ( cornerstone ), loan officer did n't even want to come out, she sends the file with secretary, not even the whole file, most documents were missing!! 
Very stressful, waste of time, money and even health
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX** and XXXX   XXXX XXXX  ( Original Creditor : 10 XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

Having become a student of consumer law in the last couple years, i pulled Transunion, XXXX and XXXX credit reports in XX/XX/2024 for the consumer to see what information they contained and to check for discrepancies. This is when promotional inquiries were discovered without authorization violating the privacy of the consumer. Transunion is currently the only reporting agency in violation. Transunion was sent, via certified mail, a Notice of Violation in the form of a letter. Applicaple law was referenced in said letter whereas Transunion had 10 days to respond. As of the filing of this complaint, the 10 days has expired with no answer from Transunion or tender of applicable penalties/fines. Uploaded with this complaint is a copy of the Notice of Violation with all violation dates and law this complaint relies on. A copy of the invoice sent to Transunion with all applicable fines/penalties pursuant to the law. A copy of the pages from the consumers credit report showing the promotional inquiries and a copy of proof of delivery of the above documents to Transunion via certified mail.
Product: Mortgage

We have our home mortgage with Chase, and our home insurance with XXXX. Mechanically, we make payments to Chase for our mortgage, together with our home insurance and our property taxes- in a typical escrow set up. 

This summer we received a notice from XXXX that our house insurance had not been paid, and that it would - as a result - be cancelled. I called XXXX on the date that we received the letter, and confirmed that XXXX had not received payment from Chase. I then called Chase and confirmed that we were up to date on our mortgage payments. 

Chase 's explanation was that a " batch cheque '' was sent to XXXX which included our payment along with a huge number of other people 's payments and that there must have been a delay in that process. Chase confirmed that they would make a direct payment for our home insurance, that XXXX would receive it within XXXX business days and that there was a grace period such that there would be no gap in our home insurance coverage. 

I thought it was resolved. 

Then, XXXX days ago I received another letter from XXXX with a refund cheque confirming that our policy had been cancelled and that the refund was in respect of a payment that was received after our policy had been cancelled. 

I spoke to XXXX, and they are cancelling the refund cheque and re-instating our policy. However, I had to confirm that nothing had happened at the house that would give rise to a claim in the period of no insurance ( XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and confirm that I understood that I could not make a claim for anything that happened in that period. 

So there was a XXXX month period where if something had happened to our house, it would not have been insured- even though we've never missed a payment and I called to correct the problem ( created by Chase ) on the day I received the letter.
Product: Mortgage

I have a home mortgage with XXXX ( Loan # XXXX ). My property taxes and insurance were escrowed at my request. On or about the first XXXX  XXXX I notified XXXX that my property taxes had been significantly reduced and my escrow collection was to be adjusted accordingly. I supplied them with a copy of the new assessment letter. 

I heard nothing from XXXX and was informed, via their website, that any attempt to inquire as to the status of this request would result in further processing delays. Next I received a notice from XXXX telling me my escrow collection amounts would be increased as XXXX needed a cushion. I called customer service to see if I could rectify this. They were no help. I then requested the escrow service I requested be canceled and any funds be reimbursed to me. I further asked for a specific date by which this would be completed. 

I received a vague response from Homepoint stating they had approved my request along with an obtuse reference about needing to maintain an escrow account in case I missed a tax or insurance payment. 

Today I received a " bill '' for my XXXX mortgage payment not adjusted to reflect the lower tax amount and the escrow increase made without regard to the aforementioned tax reduction. 

As of this date I have send 5 requests to XXXX, including a copy to their CEO, asking this issue be addressed. What I have asked for is for them to cease escrow services on my behalf and refund any excrow balance to me. I sent a 6th request today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.
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. 

XXXX : # XXXX, XXXX 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 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: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED
Product: Debt collection

Ive received my credit report and I noticed some unauthorized items on my report that shouldnt be reporting. This has been troubled times during the COVID 19
Product: Credit reporting or other personal consumer reports

I have tried several times to get the company to update/correct the status of my collection accounts : XXXX. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After filing a dispute, the company just says the information was verified. All three accounts are listed as " Past due as of XX/XX/year> ''. Collection accounts are NOT allowed to be listed as past due. This is inaccurate information being reported which is damaging my credit even more.
Product: Credit card

I was fraudulently charged by the XXXX XXXX for services that I did not requst or receive. When I be came aware of thew charges in XXXX ofXX/XX/XXXX I immediately contact XXXX XXXX and Discove cardXX/XX/XXXX did a investigation and stop the fraud I can get Discover to issue a recovery
Product: Credit reporting or other personal consumer reports

I issued 4 Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, WELLS FARGO charged my account with a {$490.00} payment that I had explicitly dis-authorized. I received a note from the bank on XX/XX/XXXX saying that the bank had declined the transaction as a fraud. Even though, they later made the payment. 
Then, they refused to reimburse my account despite my several complaints. 
I am explaining everything in detail in the attached letter and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and opened fraudulently {$1200.00} XXXX XXXX XXXX XXXX OpenedXXXX {$2500.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$4500.00} XXXX XXXX Opened : XX/XX/XXXX {$7400.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX {$1300.00} XXXX XXXX Opened XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX
Product: Debt collection

Ive never had a check n go account my entire life. Im receiving what Im assuming is scam texts from XXXX ( XXXX ) XXXX Your Check N Go account is with XXXX XXXX XXXX for collections. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXX XXXX XXXX XXXX to learn more. This communication is from a debt collector.. Reply stop to opt-out. ( Trying to determine if its Scammers or if I had my identity compromised ) Never received a letter or phone call just texts
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several times disputing the XXXX XXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Product: Mortgage

XXXX XXXX bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number XXXX and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, XXXX XXXX in XXXX XXXX compliance department have have received no call back from multiple voice messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has multiple violations the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. And Im now at risk of financial harms
Product: Payday loan, title loan, or personal loan

The loan gave a loan but I had no Idea that the interest rate would be so high. Itis over 300 % It seems I will never be able to pay the loan back.
Product: Debt collection

This account is not mine and does not belong to me. This company bought this debt and wants me to pay on something that is not mine. I have reported this to all XXXX credit bureaus and they will not re-dispute it. Stating that the company verified it belongs to me but this company has not given proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to closing on a new home on XX/XX/2018. The lender XXXX XXXX XXXX  was unable to access my credit report from Equifax. Previously, in XX/XX/2018 I asked that a Freeze be placed on this account to prevent identity theft. During the process of relocating and purchasing a new home in XXXX XXXX my credit report remained frozen. I have repeatedly contacted Equifax via phone calls, on line and regular mail requests to remove the Freeze. They continually tell me that they see a problem but they are never able to resolve the problem. It has been nearly two years that I have been working on this. I am currently waiting for Equifax to contact me with the current status of their investigation. 
This issue has caused me to pay higher than normal rates for Insurance and home loans. 
I am in a desperate need for help to get this resolved. Please send help. 
Equifax : Unfreeze my account, XXXX I am currently trying to refinance my mortgage and this issue is preventing it.
Product: Credit card

This company keeps playing games. They don't show the merchant 's response or why they sided with them. They show documents XXXX and XXXX on the dashboard! They said it's in the documents and statements section -- -nothing! I sent multiple emails to XXXX@citi.XXXX with my appeal letter and received no response! Just see a investigation complete with no explanation or confirmation that they received my appeal on the dashboard! Disgusting company! This isn't over!
Product: Credit reporting or other personal consumer reports

It's been quite awhile since I've pulled a credit report. When I did, I found the XXXX XXXX line to be inaccurate. I have also file a report with identitytheft.gov and will attach it to this submission.