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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting

I disputed with SageStream ( XXXX 2016 ) inaccurate addresses, phones, and account information that they are telling the major credit bureaus. As of today, SageStream has not investigated and responded within the 30 days allowed. SageStream caused me to be denied credit at XXXX XXXX to purchase a phone for the XXXX holiday for my child because of all of the inaccuate addresses, phone numbers and credit transactions. They put a security freeze on my account instead.
Product: Mortgage

TD Bank is harassing me because their systems are antiquated and inaccurate. 

I'm doing a construction loan and as such my payment varies each month. I paid them my XXXX payment on XX/XX/XXXX. I'm not sure what happened, because I can not see my statements online, but I ended up paying an amount that represented 98.3 % of what I owed them. 

Unfortunately, as the loan amounts are variable each month, I can't set up autopay. When they sent a letter saying I owed less than 2 % of my balance in XXXX, I promptly sent the bank the remaining 1.7 % of my payment. Their online banking system shows that the payment cleared on XX/XX/XXXX. 

For the last week the bank has called me 5-6 times a day about an " overdue loan '' which is just incorrect. They've called me 7 times since my payment cleared, and the bank representative nonchalantly said " yeah it takes a while for our systems to update. '' I asked the bank to never call me again and the bank said that " it could take up to 30 days for the calls to stop. '' Unacceptable and antiquated. 

The bank 's systems make it impossible for a customer to pay on time and they keep harassing customers after debts are paid.
Product: Credit reporting or other personal consumer reports

XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX Account : XXXX
Product: Debt collection

Moved out of apartment early and was charged a {$2700.00} fee. My security deposit insurance covered {$2500.00}, which leaves a debt of {$270.00}. I am currently paying back the {$2500.00} to the deposit insurance. The landlord will not acknowledge receipt of the {$2500.00} that they received on my behalf. Also have made numerous attempts to contact the debt collector, including disputing the debt twice. I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Credit card

I am disputing the collection account with CAPITAL ONE account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, XXXX XXXXXXXX and American Express are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Debt collection

RSH & Associates showing a collection opened XX/XX/XXXX, however, the are not showing a date of last activity, however they keep reporting it monthly even though it is over 4 years old.  The date of last activity needs to be shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
WELLS FARGO CRD SVC {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WELLS FARGO BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I am writing to formally dispute the validity of the debt reported under account number XXXX, listed as a collection account with an outstanding balance of {$16000.00} as of XX/XX/year>. I am requesting immediate validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), and I am exercising my right to dispute this alleged debt. 

As I have no knowledge of owing any debt to Jefferson Capital Systems, I believe this account may be the result of an error, fraudulent activity, or some other circumstance that requires clarification. In accordance with my rights under the FDCPA
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX on my credit report with Equifax on XX/XX/19. Company received my disputes onXX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Checking or savings account

Good Afternoon, I am writing to file a complaint regarding a situation involving Bank of America that has significantly impacted my finances and my family. I have been making regular, automated payments to my two credit cards since XXXX. On the XXXX and the XXXX of each month, a set amount has been withdrawn from the same checking account. These withdrawals appear in check form on all of my bank statements as they have since XXXX. As of XXXX, XXXX, Bank of America has been kicking back these scheduled payments without my knowledge. When I finally figured out this was occurring, I called both XXXX  and XXXX who both said Bank of America is kicking these back for unknown reasons. When I approached Bank of America, they stated they do not take payments in ACH or check form. This is not true, as evidenced by my payment history of three years where this method was always accepted. I have made zero changes to my account and have only used this method for the entirety of my payment history. Because of these kick backs, it appears to the credit card companies that I have been missing payments, therefore my Husbands credit score dropped XXXX points! ( I pay his discover card with this joint checking account ). It has also significantly dropped my credit score as XXXX is under my name. I have worked for many years to build our scores to good and almost excellent standing and now both of our scores are fair-poor. 

This is in no error on our part. We have been making auto payments for three years and have always had sufficient funds. Because of this random claim made by Bank of America declaring they do not accept this payment form, our finances are ruined and we are no longer able to qualify for a mortgage, nor refinance our vehicles or renew a lease. I am a XXXX  and am currently in school to become a XXXX  XXXX, therefore I have many student loans and am concerned this will impact that as well. 

I reached out to Bank of America in person to request a simple letter stating the issue at hand so that I could present that to the credit bureau in hopes of restoring my earned credit score. They denied my request stating I am at fault for not knowing they dont accept check form, which is simply a false statement of which we have evidence to support. 

I would like for them to take accountability for this error. This would cost them nothing accept a moment to write a letter. I work very hard as a XXXX  and in school, I have XXXX babies and we simply can not afford to take the blame and the large financial hit due to the lack of accountability from a historically criminal bank. I truly hope this can be resolved in some possible way as this was and is completely out of our control. I have attached images of payments made in check form to Bank of America over the years. 

I look forward to the resolution of this situation and would appreciate it more than one could understand. 

Thank you. 

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

Contacted XXXX, XXXX and experian on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Product: Mortgage

I reached out to Key Bank on XX/XX/XXXX around XXXX XXXX due to notices my payment was late, but my payment is not considered late until XX/XX/XXXX. I had autopay set up but it had not made the payment yet and concerned, I canceled the autopay and ensured I would not be " double '' charged as has happened before in XXXX. I was assured the autopay would not pay as it was scheduled XX/XX/XXXX. The customer service rep assured me that the system says " late payment '' any day after the XXXX of the month, which is a faulty system in my opinion. I manually make the payment while I am on the phone with the customer service rep and see a confirmation pop-up. I don't screenshot it as I'm on the chat function that is finnicky and sometimes closes out. I trust it goes through ( it did not ). 

Then on XX/XX/XXXX when I go to make my XXXX payment, I notice the equivalent of two payments in my checking account, also from Key Bank, that is still sitting there. I look and was charged a {$140.00} late fee- which also concerns me with my credit as I am not late with payments as my credit history can attribute. I reach out to Key Bank that evening and the chat never got through to a person, so I chat ( the easiest way to get ahold of anyone at Key Bank ) and the customer service rep refuses to credit the fees because I have had it happen before already in the past year ( another AutoPay failure that did not go through ). They close the chat and instruct me to call Customer Service. Then the representatives after moving me from rep to rep get me to the Mortgage Department and tell me the same thing - a payment never went through on XX/XX/XXXX but they did see the AutoPay cancelation. My husband witnessed me putting the payment through- this is not in my imagination, which is how Key Bank makes it sound. To them, there is no record of my XXXX payment. They then refuse to refund my fees because I have been waived late fees in the past 24 months ( discrepancy here - the prior rep said 12 months ) and keep me on hold " doing research. ''
Product: Mortgage

I sold my home in XX/XX/XXXX and my original loan was sold to SPS Select Portfolio Servicing around XXXX. My loan had an impound account for taxes. When escrow closed there was an overpayment to the impound account and I have been unable to get them to send me the overpayment back. They did send the check but with the wrong name. I called in XXXX XXXX and they requested my drivers license and to this day XX/XX/XXXX they still processed the overpayment. I have called in 6 to 7 times and each time they come up with new reason on why they have not processed the payment.
Product: Debt collection

I paid off the debt. wont send me a paid off in full letter said this will stay on my credit report for 7 years and there is nothing I can do. I did n't realize i had the debt I looked at my credit report and seen it. I called the number to see what it was about. I paid it off why dont I get a paid in full letter and why is this now going to affect my credit for 7 years?
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to necessitate the exclusion of any erroneous accounts from my credit report. Would you mind examining the documents? Certain listed accounts are inaccurate, which is unsettling for me.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law.

Case law has affirmed my rights to request the cessation of debt collection communications. In Daugherty v. Convergent Outsourcing , Inc., 836 F.3d 507 ( 5th Cir. 2016 ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ), reinforces the consumers right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this notice may result in further legal action. This could include filling complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thanks you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 there was a credit inquiry on my credit report that dropped my credit score down 35 point. When trying to investigate the problem to explain this was not me and I do not recognize this inquiry. No success. Called 18 times. Stayed on hold for hours got hung up on twice before even speaking. So still havent even spoke with a agent. Im trying to build my credit and already have my preferred credit card. The fact that these people cant even answer the phone to bother tell me who or why they dropped my score 35 points. This is crazy. Especially when we have all this coronavirus going on. Im very disappointed that I even have to reach out to you guys. But again this is crazy.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service.and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) ..Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements. under the Electronic Fund Transfer Act ( EDTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.