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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Verification Request as Per the Fair Credit Billing Act Dear XXXX  XXXX, I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

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

I have been being denied credit for at least the last year and one of the reasons is because of the Transunions credit file they have on file. Particularly 3 accts. XXXX XXXX which they said was opened in XX/XX/XXXX and first became delinquent in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX. That is not my acct is over 7 years old since first delinquent. The next 2 are the XXXX XXXX XXXX. I am o XXXX XXXX   XXXX  XXXX and have been since onset of XX/XX/XXXX. I never paid it and the XXXX XXXX said I didn't have to and trans union will not taske it off despite me sending them documentation contrary to what they are saying not to mention Trans union said they deleted the info on XX/XX/XXXX and  XX/XX/XXXX but when I talked to the supervisor there at transunion he basically said to bad. The loans aren for XXXX and XXXX something and they are saying I have a balance of {$130.00} and {$200.00}. Now y would I pay $ XXXX and not pay {$130.00} and XXXX? I don't owe them and want to fil suit against trans union for slander and or defamation of character..
Product: Checking or savings account

I attempted to open an account with Truist Bank on XX/XX/24 once I submitted the application ( online ) it stated that my account was pending and the next day it stated that it was approved. There was nothing else stated that I needed to do so I assumed that I was just waiting on all my documents to come in the mail. Fast forward to today XX/XX/24 I decided to go inside the actual branch to get my documents so I can set up online banking and give one of my donors ( XXXX ) my account information. I was approached by one of the representative 's who was over the top friendly and patient. He guided me through every necessary step. Upon reviewing my account he mentioned that there was a note on the account that stated it was closed on XX/XX/24 due to fraud. Now I have several issues with this decision because one I have never participated in any type or form of fraud. I have not been to jail for any type of fraud. I am a known motivational speaker on behalf of my 501 ( c ) ( 3 ) non-profit organization. In so many words I have a lot on my plate to lose for participating in any type of negative/illegal activity and would lose my recognition with the IRS as a non-profit. 
I feel as though I have been convicted and indicted of something less than my real character. The agent gave me a XXXX to the fraud department, I sat there and called them to get information on why and what was the reason this account was closed and why nobody ever notified me of this decision. The agent over the phone was not able to give me any information and quickly told me that I will receive a letter in the mail notifying me in details of why the decision was made. So I left the bank to check the XXXX XXXX, XXXX, XXXX and XXXX to make sure I wasn't a victim of fraud. There was nothing there to deny me any type of credit or account. I actually have a relationship with a few banks for a while now with no issues such as : personal loans, car loan, savings, checking, certificate of deposits. Coincidently the letter came today and it mentions nowhere on this letter of why I was denied an account with this bank. I feel as though at this point my character and integrity has been assassinated, humiliated and I am highly offended. I really was interested in building a relationship with this company thinking that they had some kind of integrity. Truist can not continue to break people down mentally that is an insult to people 's intelligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I SENT THE CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent a number of years days weeks trying to get TransUnion to correct the issue so that I can retrieve my credit report. I have been transferred several times and to supervisors and still the problem has not been fixed. 
I just need my TransUnion report and should not have to wait for it in the mail. I should be able to log in and get it. So maybe you can get TransUnion to finally fix the darn  issue.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have no contract with them. XXXX XXXX  XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that the are authorized to collect for XXXX XXXX CONSULTAN and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of XXXXXXXX XXXX XXXX  and TransUnion reporting this to my report. It was caused significant emotional damage for I was not able obtain credit because of your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}, XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Debt collection

advised company this is a fraudulent account its not mine 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

I paid this debt in full. I have been trying to have it removed from my credit report. Attached is proof. The original debt collector no longer holds this account but it is still showing on my credit report as balance owed too.
Product: Mortgage

U.S. Bank Home Mortgage has made it extremely difficult to allow me to get caught up on a few missed payments for my mortgage. U.S. Bank Home Mortgage has committed dual tracking, in violation of the CFPB rules. U.S. Bank Home Mortgage has drawn out the loss mitigation process while at the same time filing for foreclosure in New Mexico 's XXXX Judicial District Court. To date the process of getting a loan modification has taken XXXX months. During this time they have made it extremely difficult to get a loan modification by requesting additional documentation for a loss mitigation packet that was not initially asked for. When complete documentation ( pay stubs, child support, etc. ) was sent in, I was told that next month that they needed something in addition to, plus the previous documentation. 
U.S. Bank acknowledged in a letter dated XXXX/XXXX/2014 that they had a facially complete application for loss mitigation, but still filed a foreclosure proceeding. I was in court yesterday for a scheduling conference for the Foreclosure and presented a letter from U.S. Bank proving that I had finished the trial payment plan and that a loan modification was in process. The Judge ordered a XXXX day stay of the proceedings so the loan modification paperwork could be finalized. 
Unfortunately, I have spent a lot of time and money defending this foreclosure in court. This also has been very XXXX on me and my family because of the worry about losing our home.
Product: Debt collection

This account was created fraudulently and I have disputed the account via the XXXX app but company refuses to remove account or verify identification methods used to create the account. I can attest under penalty of perjury that I have not signed any contracts for phone service with XXXX at any time. I would like this account removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, TransUnion LLC Consumer Dispute Center XXXX, XXXX XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I am writing to dispute the following information that appears on my TransUnion LLC consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ALL INFORMATION LISTED ABOVE BECAUSE IT IS A DIRECT VIOLATION ON THE ITEMS LISTED UNDERNEATH : 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, XXXX XXXX XXXX
Product: Debt collection

Company reported an amount I owe on my credit report for a company that no longer exists. They refused to give me any information in regards to the debt and were extremely rude over the phone when I ask for information. Im working to get issue corrected now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 


XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/2016 2016
Product: Credit card

This complaint is about Chime.com. On XX/XX/XXXX and XXXX of this year I placed 2 orders with XXXX. The original amounts that were charge were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received both orders on XX/XX/XXXX and on that same day XXXX settled both pending transaction amounts but for a much lower cost. XXXX gave me credit for an item tha never shipped and they gave me a big discount on the second order. The first order came to a total of XXXX with a remaining balance of XXXX which should have immediately been released back into my credit account just like getting cash back. The second or which had a pending amount of XXXX placed on XX/XX/XXXX had a final cost of XXXX and the remaining cash back amount was XXXX. Both cash back amounts never got put back into my credit account. On Saturday morning after discovering that Chime.com did not release the remaining amounts of the 2 orders back into y account I called Chime.com and spoke to a woman named XXXX XXXX. She added up every transaction in my account and deducted the amount from my starting balnce and agreed with me that there was XXXX missing from my account. She gave me the reference number XXXX and placed me on hold while she spoke to other representatives.and promised me that it would take a cople of hours and my account would be fixed. I trusted this woman to her word but instead I ended up with 2 fake charges on my account from XXXX the next day for an exact total amount of what was owed to me. They paced a date on the charges of XX/XX/XXXX whaen there was never any such orders from XXXX XXXX. I called Chime several times and alo emailed them. I also called and emailed XXXX. The rep I spoke with at XXXX placed a note in permanent record stating to the fact that the 2 charges for my orders were true and that the 2 pending charges were not charges at but the cash back due to me. They also offered to have a 3 way phone call with me and Chime.com supervisor but Chime refused the 3 way call. Chime has refused to release my money. Be cause of this one of my bills due on XX/XX/XXXX was declined and I can not get several medications that I am out of and need for my health. I also can not buy the fresh foods that my birds require because Chime is holding my money hostage. I am going to leave instructions in the event of XXXX for the FBI to charge Chime.com XXXX, theft and cruelty to animals. I have first names only of the Chime.com reps that I spoke with and the one reference number. All asked is that Chime fix their mistake and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/XXXX There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain Employment : NONE, all employment listed on file is incorrect
Product: Debt collection

NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.
Product: Checking or savings account

In XXXX I called the bank, on the XXXX I believe and dismayed that all of my accounts were marked on hold and I asked why noone had informed me. The Office of the President wrote someone called me about my account past due. I never received this call and need a copy of the tape or a transcript of what was said. The Bank should have a copy of the other calls, each time transferred to an account specialist that would not give me accss to my cash funds in the checking account to pay their own credit card balance due for XXXX. After almost a month, the last spcialist allowed me to do so. 
The FDIC thought the CFPB should take the lead XXXX in this.
Product: Debt collection

I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an collection from XXXX XXXX had been put on my credit report with a pass due amount {$1300.00}. i reached out to the XXXX XXXX via certified mail about debt owed and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion and XXXX  are reporting an obsolete account that is closed and origination date of XX/XX/2005, XXXX XXXX, account no. XXXX. Both organizations have the authority to remove the old account that is too old to be on my credit report. I am asking for the removal of the fourteen year old account. I have tried to resolve the issue and baffled as to why the old account hasnt been deleted.