23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX a Capital One account was opened without my permission. There is a debt on my report of {$290.00}. There is another capital one inquiry on XX/XX/XXXX which was also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to ignore and deny my numerous requests for description of procedures used to verify two alleged XXXX accounts as accurate. There are multiple violations of my consumer right to have accurate reporting that is fair and equitable. On XX/XX/23 and XX/XX/23, requests were sent via certified postal service requesting evidence and documentation. The responses to my request did not address what was required. During my phone conversation XX/XX/23, XXXX sent my accounts for maintenance. I was told he saw two different files, and to wait to see if the maintenance would clear the issue with the account reporting. I have found evidence of more than two files with Transunion. I have also found discrepancies between Transunion and XXXX which confirms the inaccurate reporting. During my last conversation with Transunion, today XX/XX/23, I was told " we dont provide description of procedure. '' I read the Transunion document, " Should you wish to receive the above description of the procedures we used to investigate your dispute in a separate communications for you records, please contact Transunion. '' I was then told, " no, we wont send you a description. '' Per 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ), a notice that, if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted i connection with such information and the telephone number of such furnisher, if reasonably available.

Per 15 U.S. Code 1681 ( i ) ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in the paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description.

I would like to know what information was verified? Have I given these alleged accounts lawfully authorization to report my personal information? Where is the documentation? My right to privacy is also being violated. Both XXXX and XXXX have removed the fraudulent accounts. Transunion should do what is right by me as a consumer and remove the two alleged XXXX accounts.
Product: Debt collection

A medical billing company mistakenly sent a debt of {$290.00} I did not owe to a debt collector. The sent a notice informing the debt collector that I do not owe the debt on XX/XX/2020. On XX/XX/2020, the debt collector sent me a notice for collection of this debt anyway. Tried to contact the debt collector, but they did not answer their phone or have a voice mail.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, my fianc and I went to a Chase Bank location in XXXX, WA to deposit a check issued to him from XXXX XXXX and endorsed over to me for the amount of {$27000.00}. After around 2 weeks, Chase froze all of the funds in my checking account including the above check and is currently in the process of closing my account as they believe the check is fraudulent. After speaking to Chase on 3 separate occasions on XX/XX/XXXX and XX/XX/XXXX, the only way they will release the funds to me or back to my fianc is by calling a verified phone number. When they run his phone number in their system, it does not verify. They also refuse to release the funds to him or me in person with government issued IDs as well. We have also called XXXX XXXX to see if they can claw the funds back, but are unable to as Chase has now froze them. We need this money as soon as possible and the other money that was in my account to pay for my education and Chase is making this impossible. Please help!
Product: Credit reporting or other personal consumer reports

I disputed addresses that ive never lived at and also debt collections as following : XXXX debt {$1900.00}, XXXXXXXX XXXX ( late payments ), XXXX XXXX XXXX with a balance of {$4700.00} which is a high balance to leave on my credit after disputing multiple times confirming this is not my debt, i asked for proof, experian and XXXX decided to tell XXXXXXXX XXXX  to send me a email of my name and the debt, that is not the proof, under the fair credit reporting law i can reqest proof of the orignial contract with my signature proving this debt is mines, the other two debts i also asked for that proof and all experian is doing is updating my dispute with a note saying " verified " but no PROOF. This is against the law and ive disputed these debts for inaccuracy over 4 times. and experian just keeps on giving me the same answer with no proof. Please remove off my credit because the time has passed on these debts to prove what i asked for. XXXXXXXX XXXX management is another one from XXXX i asked for proof of the original contract, i am not the owner of these debts and if they can not prove it. According to 15 usc 1692 G, full detail list of payment history of all disputes, original signature on the contract i agree too, also has their been any insurance claim found on this debt and lasty i want to see the chain of title that experian and XXXX has to collect on this debt. I need both credit agencys to respond asap. This has been disputing over the statue of limit in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

Per Ditech 's response of the last dispute. 

We have found the information to be lacking in information to back the findings. We are attaching the statements for the 14 months of Interest Only payments on a Simple Interest loan. We find it hard to believe that payments over this period of time could all go to interest when some payments are clearly made less than 30 days apart. We since went through all 20 years of the statements we have collected and found these statements from XX/XX/XXXX to XX/XX/XXXX to of great concern. We have also attached the response from Ditech in the words of their own Paralegal XXXX XXXX " that the months where no principal was applied, payments were generally more than 30 days from the last payment made or past due interest was owed ''. Then states to " please refer to the enclosed payment history for breakdown of the payments applied toward principal and interest '' Yet there was no 'enclosed payment history ' for us to review. 
Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Good Evening, Received Citi Simplicity Card in mail today XXXX/XXXX/2017 @ XXXX I successfully activated the card. However, upon registering for an online account I was asked for a code word to validate my account. Confused I called the Customer Service # listed on the card and explained to the first representative I am a new account holder ; just received card, activated and have no such codeword. I was told I needed to verify my identify. That call ended by her disconnecting and two calls later I spoke with XXXX and repeated the above. I informed XXXX XXXX was recording the call as the two previous calls ended abruptly and I was unclear why. XXXX proceeded to tell me he needed a number to verify me. I told him I had three numbers. He immediately tried my landline number and stated my name ( verified it was me and my XXXX account ) but then proceeded to tell me my XXXX number did not meet the criteria. When I asked what the criteria was he stated " that information is classified. '' I proceeded to ask XXXX to close the account as I knew there was something immensely wrong with the verification process. He stated he could not use the other two active working numbers ( personal cell phone and business cell phone ) but a supposed random number listed by my ss #. He then proceeded to call this number and upon returning to the call ask me about an family member, I laughed because he was referring to my XXXX XXXX XXXX son! The entirety of the call was recorded and I made XXXX fully aware of the recording multiple times and he agreed to be recorded. In the end XXXX refused to closed the account as I requested because the three numbers he could call did not meet a " classified '' list of qualifications.
Product: Credit card

Yesterday I looked at my credit card balance with Capital one. I seek that XXXX $ was added onto my account paint my bill down that I owed to them. I could not pay the bill at the time because my father just passed and I could not work because I been mourning his loss. When I first started with Capital one they told me that I would get my security deposit back without a problem. They placed my security deposit to my bill without my permission resulting in me not able to pay other bills because I was waiting on the money for months now. Soon as I started not to pay they closed my account on the XXXX of XXXX. They did not give me any kind of letter or notification stating my account was going get closed. I never gave them written consent to close my account either. They lied to me about my security deposit of {$200.00} to fund this account stating I would get it back. They stole from me and didnt give me no time at all. I know my account has been non active or no payment came because Im in mourning they were supposed to honor what I told them and they didnt. I was just on the phone with a manager he was over talking me the whole time and did not let me get my thought out and stated we can use your deposit without telling you and give you no notification for non payment. How can they do that to a consumers account without any written consent. Now I have another account with them and the bill is the same way because Im still mourning. I cant go back to work because my mental is messed up losing a father is tough on me XXXX cant do it some days. Im on public assistance also with me being XXXX so I couldnt pay anyways. They did not help me at all nor did they send notifications of this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive put I. Multiple disputes with XXXX regarding Wells Fargo personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the XXXX  profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with Wells Fargo. This the 6th dispute within a year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XX/XX/XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard or remove them from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX  XXXX XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to

15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

On XX/XX/XXXX I received a notification of a XXXX transfer, it wasnt me doing the transfer, so I call Wells Fargo customer service right away to notify them, then they proceeded on blocking my online access to prevent further transfer. Only to my surprise when I regained access I notice that multiple transfer were approved in the amount of {$3000.00} and checks were ordered and sent to New York. Now the checks are being written though the account has been closed. 
Wells Fargo is blaming me to have authorized these transactions ( I dont even know the people that the money was sent to, they live in NY and I live in XXXX ) and is refusing to give me back my money. I have call multiple times and went to the branch 3 times with no resolution. 
I just want my money back, I m not rich and I work hard for my money, I have kids to take care of. Please help me Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Chase account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( XXXX, XXXX, TransUnion ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXX ' '' with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now TRANSUNION is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports XXXX, Equifax and XXXX thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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: Mortgage

To Whom It May Concern, I am writing to express my deep concern and confusion regarding the current status of my mortgage with Mr. Cooper. Two weeks, I was visited by individuals claiming to be investors who informed me that foreclosure proceedings are underway for my property. They further mentioned that a public notice would soon be filed and taped to my front door.

This alarming news comes as a shock, especially since I followed all instructions provided by Mr. Coopers online portal when I applied for mortgage assistance several months ago, on XX/XX/year>. I received a notification confirming that I had been approved for assistance and was instructed that no further steps were needed on my part. 

Since that approval, I have not received any updates or notifications indicating a problem or a need for further action. To now be faced with foreclosure proceedings and an unexpected {$7000.00} debt feels both unfair and disheartening. It appears either an error has occurred, or there is a miscommunication. Now I'm left thinking if this is for nefarious, unethical, unequal treatment, or my mortgage company sees an opportunity to make money selling my home, in any event this needs an urgent resolution. 

The FHA loan assistance program is designed to help families like mine during challenging times, yet it seems the process has placed me in a position of failure despite my adherence to the instructions given. I respectfully request : 1. Immediate clarification on the status of my mortgage assistance application and why foreclosure proceedings are occurring despite the approval I received.

2. A halt to foreclosure proceedings while this matter is reviewed.

3. Confirmation of my modification application and the approved terms, as communicated via Mr Cooper 's online portal, so I can remain in my home and work toward the resolution.

I have attached a screenshot from the portal reflecting the confirmation of my mortgage assistance approval. Please review this information promptly, as my familys home and security are at stake. 

I trust that Mr. Cooper will honor its commitment to fairness and ethical practices, especially when the stakes are this high. I look forward to your prompt attention to this matter and to resolving this situation swiftly. 


Loan Number : XXXX
Product: Debt collection

Medical bill was to be handled through insurance. Moved in Late XXXX, so never received invoice/ was never contacted through other methods regarding an outstanding bill.