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

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable XXXX XXXX XXXX XXXX XXXX XXXX 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Credit card or prepaid card

Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.
Product: Checking or savings account

On XX/XX/year> I was notified of fraud on my account. When I accessed the account immediately, I noticed that {$400.00} was withdrawan from my checking account, and {$2900.00} from my savings account. These withdrawals were not made by me, nor was I aware or provide authorization. I immediately flagged these charges with Chase, who began the claims process.

The claims process was a mess. Multiple claims were filed incorrectly, leading to their automatic denial. I was sparsely communicated with and Chase requested no information from me that would aid their investigation. After many phone calls and in person visits, it took weeks to hear back from a Chase representative.

Finally, I was told by Chase that my claim was being denied because " I did not take adequate steps to protect my account. This is ridiculous and offensive. I never lost my debit card. In fact, Chase sent a copy of my card to an address 15 miles away, an address that wasn't mine. Presumably the perpetrator used this new card, provided to them by Chase, to withdraw all the funds from my Checking and Savings accounts. Chase believes someone who is not me called in and requested a new card to a new address. With this truth I am not sure how Chase can rightfully claim the exposure of my banking information was my fault, as they easily and willingly gave access to my accounts to a stranger. 

Since then, comunication with Chase has essentially stopped. I have opened a police report and investigation with the XXXX Police Department. The detetctive is in the process of filing a subpoena to access the phone recordings of the debit card request ; as well as the camera footage for the {$2900.00} from my savings account that was withdrawn at a Chase ATM. Upon notifiying Chase of these next steps, they told me that video footage of an individual other than myself may still not be enough proof for them. It is my understanding the burden of proof is on Chase to disprove my claim, being as Chase is literally insured by the FDIC for these instances. My insurance is the use of Chase as a personal banking institution. They are both failing in this responsibility and demanding unreasonable burdens of proof, beyond the legal burden of proof.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE. 



XXXX XXXX I have asked them show me give me proof of who did this and where was this taking place they gave me no information Im not aware of this account who open it or how they open the account. Im not aware the address thats attached to this account isnt connected to me in no way. Account number
Product: Debt collection

Received a letter thru regular post office mail dated XXXX/XXXX/16 addressed to the wrong name and about a license plate I 've never owned ; letter states " If this matter is not resolved immediately you will be commanded to appear at an administrative hearing where a determination may be made that you owe substantial additional fees and fines, registration of your vehicle being refused, and the use of your vehicle being prevented until the amounts due are paid. '' Letter states the matter has been referred to this firm ( Linebarger Goggan Blair & Sampson , LLP ; XXXX TX ) by XXXX XXXX XXXX XXXX XXXX which is continuing to record XXXX XXXX XXXX violations by a vehicle with this tag & state records say I am the vehicle owner. They do not explain how they arrived at the large amounts due for the tolls listed. 
I 've never received any toll notice from XXXX. I have driven through there infrequently and have gone online and paid minimal tolls that I have incurred, AFTER the dates of these tolls. There is an error in my name on the letter. This is not and has never been a license plate I own. The tolls are from 9 & 10 YEARS ago. 
Contacting the company resulted in the response that the file would be reviewed and a letter sent. 
I am concerned about getting a future notice to appear in court ( where I do n't live ) and improper research to determine this is not mine. Proper research would have quickly ruled out that it does n't belong here. Others online state that this company has been ruthless harassing other people, and that one tactic is to demand a court appearance and to receive a favorable decision when people do n't show up.
Product: Mortgage

received a letter on XX/XX/2023 yesterday, Written on XX/XX/2023. The letter was from XXXX XXXX, Resolution Specialist, Regulatory Complaints. She said she would be my single point of contact. She also stated she hope to resolve this by XX/XX/2023. I am requesting, any communication I have with Bank of America should include CFPB or DOJ. My first experience with the Resolution Specialist was not a very good one. It left me to question her honesty. When someone tells you that they are going to send CFPB a separate letter. When someone tries to go offline I don't know if we are getting the same information. This forum was established so CFPB be the mediator. They are trying to understand the facts. Bank of America said they stand by their documents. So, this is when CFPB and DOJ find out who has been truthful. Bank of America and XXXX XXXX have ruined 10+ years of my family 's life. You can't get that back. My documents speak for themselves Notification I transferred this complaint from my husband 's email account that's XXXX I don't know what is going on with the razor 's email. Bank of America use it to not respond although my husband gave me legal authority to communicate on his behalf for any and all letters, emails, and anything that has to do with this Loan. ******This complaint belongs XXXXThis complaint was closed Bank of America said they sent CFPB their response and mail XXXX XXXX their 's. This is not the process. Follow the process, Post the comments.

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Product: Checking or savings account

so i deposed my paycheck every Friday for working full time my check bounce and it closed my accounts my paychecks are legit the banks there i see here are paid i just want all this off my record
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$690.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$660.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

As of XXXX, we were informed that I had been late on payments since 2018, I was not only dissapointed as I had not been getting any emails, also I was part of the XXXX email hack. SO I called and explained and my once XXXX credit score went to a XXXX. I was able to get the payments deferred while I tried to get new payment plan and get my loans taken care of. After finally getting the payment to XXXX and have been current since then which has been 3 payments now. I received a 40 point drop last week stating I have not been paying student loans. I tried contacting them and they said that they could do nothing but send a letter stating I was current. 
This has XXXX eveything up. I want my credit fixed.
Product: Vehicle loan or lease

This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.
Product: Checking or savings account

hi On XX/XX/XXXX sunday aftermoon. 
Me, my wife and my dougther we were together to deposit total of {$15000.00} cash at the atm of bank of america in XXXX XXXX XXXX. during the deposit the atm return two of {$100.00} and eat {$2300.00}. The next following monday XX/XX/XXXX I went in to bank ask them for help.I was expect they can check that atm right away. But they told me there is nothing they can do about it and told me to call the number on atm machine. while I go look for the number I notice that the atm we used to deposit has been shut down. I assume must something wrong with that atm machine. soon as I got home I call the number right away and file a claim of {$2700.00} ( cause the guy on the phone misunderstand what I said ). Afther almost a month and half XX/XX/XXXX I recvied a message from bank of america say they didn't find any additional money. They are took too long to solve the problem. I worry that atm might give the money to someone who withdrawal the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  i called in to dispute these accounts off of my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.
Product: Mortgage

On XX/XX/19 i sent by certified mail to Loancare LLCs overnight address a letter requesting my single point of contact reach out to me via email as i tried to reach them but Loancare said they were not available for me to speak with. I was unable to find out from customer service of a Notice of Default had been filed. Loancare ignored my request called me due to what they call missing information in my loss mitigation and sent me to foreclosure instead of working with me in good faith to help me keep my home. I would like to know why they ignored my request delivered in good faith asking for assistance due to XXXX to contact me via email instead of calling, ignoring the letter sent and the information provided.
Product: Credit reporting

XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX and the likes. 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.
Product: Student loan

I have tried working out payments with the loan servicing company. However, due to job losses I fell behind few payments & could n't keep up. This year after I filed my tax return, I was shocked to find out that IRS has applied the entire refund amount ( {$2000.00} ) to a past obligation. When I contacted IRS  ' Bure   au of Fiscal Services  (  BFS ) to find out the reason, they gave me the phone number for the loan servicing company to contact.   This is definitely not fair, as I 've worked with them to make payments. As a private, for-profit company, they should not have the right to withdraw money owed to me by a federal government agency.
Product: Debt collection

I received a notice from this company, I have never even heard of nor know what this is about, I have requested validation and nothing has been received. Please help
Product: Credit card or prepaid card

I made a purchase via sellers website XXXX XXXX XXXX on XXXX using Chase Freedom Unlimited Visa Card. I bought the coffee machine for {$430.00}. The seller gave the tracking number for the shipping but I never received the item. So, Ive contacted XXXX customer service to verify the delivery. The XXXX checked the tracking number provided by the seller. The XXXX said that the package was actually originated from the XXXX not from the seller and the shipping label says the recipient is not under my name but someone elses name. The XXXX also verified that recipients address is not mine on the shipping label. 

So, the shipping company says the package isnt under my name nor under my address. 
XXXX says the seller is some type of fraud and suggested to report to the bank. I reported the seller to FBI and as of now the sellers website is down. 

Later I found out the seller used the bogus shipping tracking number to trick everyone. Because I made purchase on XXXX, but the shipping tracking number says delivery date is the XXXX. 

I disputed the charge with credit card company, but the Chase said the charge is valid even though I provided evidence that the package was delivered to someone else. I talked to the supervisor but he would not take any further actions. 

I think the Chase is trying to pass down the loss to me which isn't fair and I am not sure if this is legal.
Product: Credit reporting

A Tax lien was placed on my house, by state of Georgia, in XXXX XXXX. This debt was paid in full, I have attached copy of paid tax lien stamped paid XXXX/XXXX/XXXX. I am requesting this be removed from all XXXX credit report agencies from XXXX, Equifax , and XXXX under the Fair Credit Act. I have no late bill mortgage in good standing with good credit history. If State of Georgia has removed this negative report for others then I have right to have it removed from mine. I have attached a screen shot of my Equifax credit report ran XXXX/XXXX/XXXX showing it is on there as negative debt. 
Thank you for your serious consideration in this matter.
Product: Debt collection

a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
Product: Debt collection

Today is Tuesday XX/XX/2018. I have a letter from Alpha Recovery Corp ( XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, CO XXXX - XXXX ). I followed the directions written in their letter to satisfy my debt by going to their website ( www.alpharecoverycorp.com ). I followed the prompts and set up my payment for account # XXXX in the amount of {$740.00}. After the payment was made the site stated that if I wanted a receipt to call their number and ask for one, so I called the number as directed. 
After getting a agent on the phone she said that I couldn't have made a payment because they do not have my account. That is after I went one their site found the account and paid the amount in full. I told her this, she became rude, angry and transferred me to the manager. I told my problem again to the manager, the same result, however this time she just hung up. I still don't have my receipt for my payment. 
I called back a third time and left a complaint with the compliance manager of the company via voice message. 
I have not gotten a call back and still do not have my receipt. Completely unacceptable.
Product: Mortgage

The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.