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

I sent a dispute to Transunion in XXXX of XXXX The dispute included a XXXX XXXX XXXX Account. The dispute was in regards to the balance being incorrectly reported. The balance should be {$0.00}. I even sent proof of the {$0.00} balance for the account. However, after disputing the balance of the XXXX XXXX XXXX account. Transunion replied with the dispute results via mail. The response did not even acknowledge or give results specifically for the XXXX XXXX XXXX account. Transunion failed to investigate the dispute properly. 

I have attached the dispute I sent in XXXX of XXXX. 
I have attached proof of the {$0.00} balance for XXXX XXXX XXXX. 
I have attached Transunion 's response which fails to acknowledge the dispute for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested verification and validation of debt being reported by XXXXXXXX XXXX XXXX. The credit bureau failed to take action in 30 days
Product: Credit reporting or other personal consumer reports

This complaint is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Transunion does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate, and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Product: Debt collection

I recently received a statement on a " time-barred '' debt with a " thank you '' note on a payment in the amount of {$88.00} dated XXXX XXXX, 2015 that I never authorized. As a matter of fact, I have never talked to anybody in this company. I believe that this payment is fraudulent in an attempt to restart the statute of limitation 's clock and possibly sue me for the amount they claim I owe. This company called Midland Credit Management is well known for their deceptive collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I have had issues with XXXX XXXX XXXX and brought issues to the CFPB, NCUA on XX/XX/22. I don't know if these duplicate damaging accounts is intentional or not but I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.
Product: Vehicle loan or lease

I have a car loan with Toyota Financial which I pay monthly and in advance. My regular due date is the XXXX of each month. Not only do I pay in advance, I pay more than the agreed upon payment ( {$340.00} ). I called Toyota Financial 's customer service in XX/XX/2019. My XX/XX/XXXX statement showed my next payment date is XX/XX/2019 where I owe {$19000.00} My XX/XX/XXXX statement showed that I owe {$19000.00} and that I made a {$340.00} payment. I was told that I'm being charged a late fee ( although it doesn't show ). I have never been late making my payments. In addition to this my XX/XX/XXXXstate shows that my next payment due date is XX/XX/2019 ( shouldn't it be XX/XX/2019? ). When I called Toyota 's customer service again in XX/XX/XXXX, I was told I'm being charged daily simple interest. This is a car loan and not a credit card.
Product: Mortgage

While currently trying to refinance my home, it was brought to my attention that First Horizon Loans has a lien on my home for a HELOC that dates back to XXXX of XXXX. For weeks, I have been trying to have First Horizon discharge this lien but to no avail. I have contacted First Horizon and have been told they closed this loan in XXXX and that I still have a balance of {$23000.00}. 

I have never received any notice from First Horizon regarding this. I have no records of monthly bills and this is not showing on my credit report. I have asked First Horizon to send me proof of when I received this money and how it was disbursed to me but am being told they have no record of this. 

If I owe this money, I will pay it, but not before they prove to me how and when I received this money. I am writing to ask you for help with this matter. Would you please have First Horizon show proof of or file a discharge for this debt so I can move on with my life.
Product: Mortgage

I had been looking to refinance by home mortgage as the interest rates are now lower than it was when I had purchased my home. I found a company called " Elend '' or " American Financial Resources, Inc '' who offered me 3.375 % interest rate and a lender credit of {$800.00} among other costs that were mentioned in the loan estimate which was provided to me by the representative of Elend. A copy of the loan estimate is available with me in the email format which can be provided if needed where the above costs and credits are mentioned. Based on the comparison of rates from other providers I went with Elend ( or American Financial Resources, Inc. '' ) solely because they provided a lender credit of {$800.00} which was higher than other competitors and hence the total cost of closing would be less. 
However, after my loan application was processed ( nearly 2 months after the initial rate lock agreement was signed ) I received a " Closing Disclosure '' document from Elend 3 business days before the closing date in which lender credit was reduced to {$65.00}. On questioning the representative from Elend about why the lender credit was decreased I got a response that it was not something they could do anything about. In this case the creditor ( Elend ) has not complied with XXXX XXXX XXXX ) ( XXXX ) ( i ) because the actual amount of lender credits provided is less than the estimated ''lender credits '' disclosed pursuant to XXXX XXXX XXXX XXXX, and is therefore, an increased charge to the consumer ( me ) for purposes of determining good faith under XXXX XXXX XXXX ) ( XXXX ) ( i ). 
In the hindsight if Elend had let me know from the beginning that the lender credit that they would provide would be {$65.00} then I would have never chosen them as my provider because I had better offers from others. I think that this tactic of mentioning a higher lender credit was used by Elend ( American Financial Resources , Inc ) just to get me to use them and not to actually provide the credit that they promised. They are also in violation of XXXX XXXX XXXX ) ( XXXX ) ( i ). 
I hope an appropriate action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 XXXX alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX again from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to XXXX to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. XXXX says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now. 
I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!
Product: Debt collection

Avante bought this from a debt buyer after this was deleted from my account by another collection agency. They didn't provide a hipaa transcript and this was a hipaa violation and they deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has cleared my entire credit file as of XXXX. Equifax claimed that the conformation number I have was NOT in their system. It took weeks to update and correct my credit file. 
Apparently when I got married my name change was the result of an entirely new credit file. No one from Equifax sent any documentation to me of what had happened. I was NOT able to obtain credit because of this. Since then I have been correcting my credit file with Equifax! 
Equifax has received notarized certified mail form me since XX/XX/XXXX. Each time of their results Equifax has replied the account has been verified as belonging to me but Equifax has NOT sent me any documents proving anything. Equifax has ignored my documents, added alerts to my credit file that I did NOT authorize and have NOT verified any accounts under federal law. Under the F.C.R.A. Equifax has NOT furnished a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. In the results Equifax stated in writing that they verified that the items are being reported correctly. Equifax has NOT supplied information to me proving who verified these accounts. 
Equifax received my first letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my second letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my 3rd letter via priority mail XX/XX/XXXX Equifax has NOT verified any of the accounts mentioned above. ( my name ) has NOT received any proof of verification from Equifax. 
Equifax should NOT get away with this.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus but still nothing from them. That means XXXX credit bureaus are NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Product: Debt collection

I've contacted this company and informed them I have no business with them. I also hired a credit repair service to assist me with this company. They were sent a debt validation letter and refused to comply with FDAC rules and regulations. All the information requested they refused to send, instead they sent some computer generated copies that may or may not be true. I've just received another letter in the mail asking me to at least pay half. This company tries to collect debts not owed to them. They are a debt collections company that buys debts that may or may not be owed and definitely not owed to them. I have no business with them and never had.
Product: Credit card or prepaid card

I have been trying to settle a debt that is shown as a " charge-off '' on my XXXX Credit report with Citibank ( Best buy ). I have attempted to settle the debt numerous times now ( at least XXXX ), always speaking to a different representative but as we get further into the conversation before the actual settlement agreement is stated, I assume the call disconnects or the operators stop responding. 

Phone number called : XXXX
Product: Debt collection

The caller was very rude to my boyfriend with a " you have to make a payment '' today '' or else attitude. They spoke to him about my account, then asked for HIS private information including SS # and work info to collect on a debt that I may owe. I am sure they are not allowed to give information on my accts to other persons having nothing to do with medical or collection aspects of my life. It is " need to know '' information. They say they are about respect and counseling. This was not my experience ... well my boyfriend 's experience anyway. They told him everything and asked for his info. Improper. Now I question their legitimacy and the protection of my personal information
Product: Debt collection

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 informationisinaccurate.
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

I have written four letters disputing XXXX from Experian, XXXX, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Product: Debt collection

DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.
Product: Checking or savings account

I have been trying to process a charge back for a fraudulent {$730.00} charge on my Cash App debit card. Cash App refuses to help in anyway and has repeatedly sent the exact same email instructing me to contact the merchant and claiming that they can not process a charge back outside 60 days. By the time I contacted Cash App, it had been 70 days. I can not afford to lose {$700.00}. I recently lost my job and this seems incredibly negligent, especially in light of some of their other predatory practices.
Product: Checking or savings account

On XX/XX/2021 I had a ppp loan deposit sent to my capital one 360 savings account the ppp loan was approved by the sba and fountainhead the lender I tried to initiate a wire transfer of the funds out of my capital one account and my account was froze so when I contacted the capital one customer security team I was informed they had to investigate my ppp loan so I sent capital one fraud department all the paperwork to prove it was not obtained fraudulent on XX/XX/XXXX my funds were still unavailable for with draw and capital one accepted the 2nd draw payment in my account and determined that I was not eligible for ppp funds my loan was not with capital one and they have no legal grounds to make me ineligible for a loan that was approved and funded by someone else I have been speaking with the capital one fraud department since XX/XX/XXXX trying to get access to my money so I can stay in compliance with the rules set forth by the government for ppp funds
Product: Credit reporting or other personal consumer reports

By request all new complaints will forwarded to the FEDERAL TRADE COMMISSION and there now is a major investigation. Experian has now stolen almost 20 months of on time never late payments to XXXX and refuse to give them back SO THEY CAN PUSH CREDIT CARDS AND LOANS ALL OF WHICH ARE WORTHLESS IN FACT MOST CREDIT CARDS THEY PUSH ARE IN BAD STANDING WITH THE CFPB AND THE XXXX.
Product: Money transfer, virtual currency, or money service

I am the Personal Representative of the estate of my brother. He was receiving distributions from the federal Thrift Savings Plan monthly into his Bank of America checking account, via ACH. These distributions continued after his passing until the TSP processed the death notification. Bank of America closed that account as part of the estate resolution process, but two distributions were sent to the bank after the account was closed. Those two distributions, totaling {$4000.00}, are entirely missing.

TSP claims they were not returned from Bank of America and has issued a 1099 reflecting that amount as having been distributed.

Bank of America claims to have no record of having received those distributions. I spoke with Customer Service at BofA and they informed me that they would not research this issue further unless I could provide ACH transaction trace IDs. I have requested TSP to provide those IDs but they are unresponsive. 
There is no reason to suspect that the distributions via ACH did not reach the bank since this had been functioning properly for many months prior to the account closing.
Product: Mortgage

I purchased a home through TrustMark Bank in XXXX of XXXX. In XXXX of XXXX, XXXX Informed me that my mortgage payment went from {$510.00} per month to {$600.00}. I have inquired as to why, and various agents have given me multiple responses that don't check out. I ( homeowner ) never received notice of any changes. I've contacted the tax office and the insurance company and none of what XXXX is saying checks out to the affirmative. XXXX sends these long, rambling, incoherent financial statements that withholds the essential information that I have requested. My payments are set up automatically through bank draft and have been paid since the first month. XXXX will not provide an individual statement of the issue, but continues to send form letters with no signature. I have told the agents that I am on dialysis and to refrain from calling during certain hours. They purposely call me during my dialysis treatments. They send XXXX and XXXX letters everyday with the same information, but will not give me information to remedy this issue. They have taken checks over the phone from me in the amount of nearly {$400.00} and still harass me by phone and inundate me with form statements that will not disclose the problem nor a solution. At this point, I am under duress and feel harassed by this institution. I feel that they are trying to take my house by confusion and chaos. I have evidence that XXXX is not being truthful about changes to the escrow items. They tried to say that there was some assessment done and I am not privileged to such information, determination or results. I just have an added cost to my mortgage of nearly {$100.00} per month. The mortgage is on {$42000.00} and the payment is {$600.00} per month. How could that be with a fixed rate? XXXX is doing what they have done in the past with consumers. Taking!
Product: Checking or savings account

Complaint is against WellsFargo. WellsFargo Sent me this mediation request on XX/XX/year>. 

Tracking # XXXX - XXXX and XXXX WellsFargo Case Nmber : XXXX Wells Fargo Mediation # XXXX XXXX XXXX XXXX is working on this case. 

They closed these cases as i went on vacation and did not respond and I told them i will be on vacation and not available. 

I asked XXXX to reopen these cases 5 weeks back since then its been night mare to reach them and they never reopened cases. 

I want justice to be done as my money was stolen and fake accounts were opened on my name. Wellsfargo agreed when they did their own investigation and coming up with this remediation still they are playing games. 

Thank you. 

Regards, XXXX.