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

Transunion and XXXX. They have not deleted the same duplicate medical accounts that are not mine and in collections, which is a violation of my consumer privacy rights. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be deleted. You can see in each dispute of results of that this account that is the same 10 accounts was previously disputed without being thoroughly investigated and it can not be validated or verified. It appears the credit agencies are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts.

I am distressed that Experian and Transunion are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau ( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers have made several attempts to remind you of your duty pursuant 15 USC 1681. Experian has not complied in deleting any of the ten accounts. 
I am distressed that XXXX and Transunion are still including the accounts ) in my credit profile and have failed to maintain reasonable procedures in following appropriate operations to assure maximum possible accuracy that you publish on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. On XX/XX/2022 The Consumer Financial Protection Bureau made it a law to not report medical debt at this time and under certain amount but this is not my debt. 
( CFPB ) is reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. The debt has not been validated or verified. This is my 4 dispute for the same inaccurate information they are not deleting and I have not received information of and investigation or reinvestigations of the results I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

1 ) In XXXX XXXX I opened a mortgage with XXXX XXXX. The payments were {$2600.00} of which {$680.00} was for a real estate tax escrow. 
2 ) In early XXXX XXXX raised the mortgage payment to {$3300.00} with the escrow payment increasing to {$1400.00} ( an increase of 100 % for an annual total of {$16000.00} into escrow ). I immediately protested this escrow assessment. 
3 ) The tax history of the property is as follows : XXXX : {$10000.00} Paid in Full XXXX : {$10000.00} Payment History XXXX : {$8200.00} Payment History XXXX : {$8000.00} Payment History XXXX : {$7700.00} Payment History 3 ) Even in the highest years of the taxes ( XXXX ) the escrow amount demanded was 62 % higher than the taxes. This is well beyond the amount allowed in the mortgage escrow agreement. 
4 ) In XXXX XXXX XXXX XXXX stated in writing ( Please see EXHIBIT D ) that they had corrected the escrow amount, waived late charges and had not made any negative credit reports. 
5 ) At around the same time XXXX XXXX  transferred the servicing of the loan to Fifth Third Bank, whereupon I re-directed my automatic payments to Fifth third. 
6 ) Fifth Third did not accept the first XXXX payment from my account at XXXX stating that it did not match their records. It was at this time that I discovered that apparently XXXX XXXX had not done any of the things it said it did in EXHIBIT D before they transferred the servicing to Fifth Third. 
7 ) Since the transfer of the servicing to Fifth Third I have made all payments to Fifth Third including manually sending them the payment that they refused from the XXXX EFT. I further paid an amount that they said was needed to adjust my escrow account per their calculation of the escrow. Please see EXHIBIT F. 
8 ) Since the transfer of the servicing, Fifth Third has not applied a number of payments to the mortgage. Apparently, ( and I never received any explanation of this in writing ) they put my payments in an account called " unposted funds '' and when the amount in that account reached the XXXX XXXX  unadjusted payment, they then applied the funds to the mortgage. 
However, in one instance they actually returned funds in that account after deducting a payment. Here again, I promptly returned the funds that they returned to me. 
9 ) I have received monthly notices of default and foreclosure from Fifth Third and monthly statements showing amounts due as high as over {$13000.00} even though I have made all payments and they have money in the " unposted funds '' account. 
10 ) Throughout this period I have never received any kind of explanation of how Fifth third has put me in this position. Nor any explanation of exactly what they believe to be what they need from me. I even wrote to a senior officer ( see EXHIBIT I ) and received no response. 
11 ) To illustrate the absurdity of the situation, EXHIBIT J is a letter from Fifth Third stating that I must pay {$3400.00} in delinquency, which appears to be the amount of one of the unadjusted XXXX XXXX payments, plus a late fee ( supposedly waived ). Exactly one day prior to EXHIBIT J they sent a mortgage statement ( EXHIBIT K ) saying that I owe {$13000.00}.
Product: Credit card

On XX/XX/XXXX the address associated with my account was changed without my consent or knowledge and without verification ( presumably my online login as well as I cant get into my account online either ). Then from what I have been told there were no less than XXXX charges of {$1.00} or under before I finally get a fraud notice on XXXX, to which i replied that i didnt do those charges as I dont think Ive used this card in at least a month. I call in XXXX ( been really busy as I was recently in a bad collision with a drunk driver ) to try and pay my bill/ review statement and find all this out and that the new card was sent to someone elses address which was probably the whole time and on top of that they want to charge me {$9.00} to pay my bill by phone since icant get into online.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/XXXX I created an account with Gemini Trust Company LLC. They require submitting government ID to verify identify which I did. Gemini makes claims in advertising and on their website to the effect that once being fully verified, one can trade, deposit, and withdrawal with their exchange. I was able to deposit and withdrawal funds from Gemini from around XX/XX/XXXX to around XX/XX/XXXX. I made several deposits into my Gemini Trust Company LLC account, one on XX/XX/XXXX. I have now been notified by Gemini Trust Company LLC that I need to make a wire transfer into my account to continue to deposit, withdrawal, or buy. This is unacceptable from a consumer standpoint as I have funds being held in my Gemini Trust Company LLC account that I can not access. It was not stated in the TOS or mentioned in any material from Gemini that a wire transfer would be necessary to continue using the service. Allowing a customer to deposit funds and then barring their access to said funds is an unwarranted, suspicious, and malicious thing to do that has left me financially damaged.
Product: Debt collection

I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. 
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.
Product: Debt collection

Subject : Dispute of Unauthorized Disclosure of Personal Information Dear Sir/Madam, I am writing to inform you that I recently discovered that my personal information was sold to a third party account without my consent. This unauthorized disclosure of my information is not only a violation of my privacy rights but also a breach of trust. 

The details of the unauthorized disclosure are as follows : - Date of unauthorized disclosure : XX/XX/year> -LVNV - Any additional relevant information : Fraud I demand that you immediately cease any further disclosure of my personal information to any third party and take necessary steps to rectify this situation. I am also requesting a written confirmation that my information has been removed from your records and from the third party to whom it was sold. 

Failure to comply with my request may result in legal action being taken against your company. I expect a prompt and satisfactory resolution to this matter. 

Please respond to this dispute in writing within 30 days to confirm the actions taken to resolve this issue. 

Thank you for your prompt attention to this matter.
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 15 USC 1681. 


Account Name : XXXX  # XXXX Account Name : XXXX OF XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  - XX/XX/XXXX 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: Mortgage

I received a statement dated XX/XX/19 stating my payment was $XXXX, I then received a statement dated XX/XX/19 stating my payment would be $XXXX. I called for clarification on XX/XX/19 and spoke with XXXX  he explained something about an escrow shortage of $XXXX and a rec. Corp fee of $XXXX   which came to a total of $XXXX. Although it wasn't explained clearly and I had to pull teeth to get an actual number, I paid  the total of $XXXX escrow and fee shortage. I then receive a statement on XX/XX/19 showing my payment is $XXXX and the $XXXX payment is showing on the statement as unapplied funds. I called again on XX/XX/19 and was told the $XXXX payment was applied to the mortgage, instead of an escrow payment even though the check clearly stated escrow and rec. corp payment on the check. I then received another statement dated XX/XX/19 stating my payment is $XXXX. I still haven't been able to speak with someone who can tell me what my next payment will be and why?
Product: Checking or savings account

I opened a Wells Fargo Business Checking account with a promotion code in the branch on XX/XX/2019. The promotional bonus consisted of depositing {$1000.00} into new money within 10 business days which I did on XX/XX/2019 and make 5 ACH transactions with the debit card which I also completed XX/XX/2019. 

The language on the promo said I have to do this within 60 days which the banker confirmed and also reaching out to Wells Fargo XX/XX/2019. The rep confirmed my bonus and said it would be paid out within 45 days. 

When I reached out again on XX/XX/2019, the rep said my bonus was not attached. I replied that I applied in-branch and gave the promotion code directly to the banker. They said they will reach out again within 14 business days which is a very long time.
Product: Debt collection

In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my Washington Mutual Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.
Product: Debt collection

You must respond within 15 days as mandated by law, or face potential fines up to {$1000.00} for non-compliance. 
Please send me the detailed procedures taken when obtaining the investigation results for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection company called from XXXX regarding XXXX  debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Product: Credit reporting or other personal consumer reports

This is to express my significant concern and dissatisfaction with the outcome of the attempt to remove fraudulent items. It is crucial to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

Despite the concerted efforts made during the initial attempt to remove fraudulent items, I am deeply disappointed with the outcome. The presence of fraudulent items not only undermines the credibility of the process but also casts doubt on the effectiveness of the measures in place to prevent such occurrences. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence. With this, I am asking for your assistance to remove these fraud items in my credit file : INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Debt collection

Mistake on other complaint due to autofill. As stated previously I have tried to request validation of credit from debt collector however they were not able to provide that for me. I have also requested that they stop contacting me due to this as I was not aware that I have any debts.
Product: Checking or savings account

On Saturday, XX/XX/XXXX I deposited {$1300.00}  in checks into my account through the XXXX, CT Citibank atm. I then tried to withdraw money in the same transaction from my already " available " /prior account balance and I was denied. I called Citibank and was informed my accoint is frozen until my checks cleared, denying me access to my prior available balance of {$1500.00} before the deposit was made. It was a Saturday night so I was stranded for the rest of the weekend without any money. I had XXXX cash and no other forms of payment. On Monday evening when my account was still locked and i was trying to put gas in my car, I spent over an hour speaking with 3 different representatives that just kept repeating there is nothing we can do about it until you checks clear in 1-2 business days. I stated, it already has been one business day, they said well then maybe two. I had to borrow money from family members to put gas in my car, purchase food, etc because i was denied access to my available balance/ my property ( nothing to do with checks deposited ). As of Wednesday at XXXX, I am still not able to access my available balance. It has been 4 days/ 3 business days since I could access my available money. And there mobile banking app so been down since Monday as well.