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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or 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: Checking or savings account

Check deposited on XXXX  XX/XX/XXXX, was posted and available on XXXX  XX/XX/XXXX, between XXXX money was available not just current and 100 % processed, then switched to unavailable and put on another hold after already being fully processed, ( THE CHECK WAS ALREADY PAID AND DEPOSITED FROM THE PAYEE ACCOUNT ) I obviously was very concerned especially with the Holiday and expressed that religiously and reached out multiple times in several different ways, at one point I spent over a hour on the phone just to keep being told they couldnt help me with anything and they kept putting me on hold for another department, I explained the issues and clarified this was unacceptable, the refusal to be any help over phone to me was unacceptable, and the only way they can help and unlock my account and give me access to my funds was to come to a local branch with in there time schedule and they treated me very uncaringly. I was left with no choice to leave work especially after receiving confirmation of the check being paid in full from the other bank! I drove 32min to North West Bank local branch in XXXX in XXXX  XXXX were I met with XXXX inside the bank who spent over the first 20minutes on and off the phone trying to get into her own computer, I addressed the problem respectfully, provided all my information, and proof of payment being sent processed received etc, she had some knowledge of the issue from one of the brief phone calls Ive made prior to coming in person. I spent a additional hour and half taking turns on the banks phone with XXXX speaking to someone in another department, verifying all my information to them as well as XXXX pleading all my info matched up and I provided her with proof of payment and she strongly advised the person on the phone that I am who I said I am, the person on the phone name was XXXX also I blew was very disrespectful, aggressive, treated me as a burden with no remorse or anything, didnt care about the holiday or about all I had to do just to come to branch, he refused to unlock my account and give me access to any of my money, threatened me, etc!! Most answer I got is I can do whatever I want with your money and your account and because your making my day difficulties Im keeping your account restricted and not rereleasing any part of your money for another 7 days, O refrained from acting the way I should and prepared to leave, receiving a very basic apology from XXXX with no significant sincere and was offered to open a saving account, I left and now here I am screwed, IVE PROVIDED PROOF IN THE SCREENSHOTS IN REGARDS OF MY MONEY BEING AVAILABLE AND THEN BEING WRONFULY SWITCHED TO ON HOLD AND NOT AVAILABLE I ALSO INCLUDED PROOF OF CHECK BEING PAID ETC, I will directly file a police report if Im advised to by legal team of this matter and will make sure this robbery and the person on the phone is investigated and action of the matters will be taken against all involved if not respectfully handled immediately and my money, account access is not granted!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.

In accordance with the Fair Credit Reporting act. The List of inquiries and, accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX, Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, has violated my rights. 

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 co
nsumer 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 t

han 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

Lake Michigan Credit Union ( LMCU ) incorrectly claimed that their Actual payment from escrow disbursement in XX/XX/XXXX was equal to their Projected payment from escrow disbursement in XX/XX/XXXX. 
LMCU then used this incorrectly documented Actual disbursement in projecting my XXXX escrow payments, as well as in calculating whether a surplus check needed to be issued at the end of XXXX. Had LMCU used the correct Actual payment in XX/XX/XXXX, LMCU would have made the correct XXXX projected payments, and realized that a surplus check should not have been issued in XXXX. The starting balance of my escrow account in XXXX was negative immediately after issuing a surplus check. Had they not issued the surplus check, the starting balance would have been positive. A simple audit would have revealed that something was wrong here, but they took no action and the incorrectly reduced escrow payments in XXXX amplified the problem that would arise in XXXX. 
I shared documentation with LMCU of my property tax history as well as LMCU 's own annual escrow account disclosure statement, which confirmed their mistake. Their initial response was dismissive, so I provided an extremely detailed explanation of the where their mistake was made and how it had a cascading effect on subsequent escrow payments. They have not yet responded to my follow-up. 
These compounding mistakes have led to LMCU issuing an escrow shortage payment of over {$500.00} per month through XXXX ( for a total of over {$6000.00} on the year ), above and beyond the regularly scheduled escrow payments. My property taxes only increased by {$3000.00} from XXXX to XXXX, and LMCU is projecting XXXX increase from XXXX to XXXX. It is their mistake that is leaving me with a significantly elevated tax burden to cover in XXXX year. They should not be dictating the terms on which I am required to fix their mistake. I am not arguing that I need to pay my property taxes ; I agree that I do. I am arguing that their mistake created an unnecessary financial burden on me in XXXX, and that the shortage payment should not be required to be paid back in full in XXXX year. LMCU should significantly extend the time frame over which the shortage payment is scheduled to be paid back, since it was their mistake that caused the need for a shortage payment in the first place.

I trusted that LMCU knew what they were doing in handling my escrow account, but I no longer trust them to make the correct projections so I will be auditing their disclosure statements myself going forward to ensure this mistake does not happen again. 
I am filing this complaint because this responsibility should not fall to the consumer, and I am deeply concerned that LMCU may be placing easily avoidable financial strain on their other customers who may not understand that LMCU is making this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered a unverified account in the amount of {$2400.00} and a 30 late payment posted on XX/XX/XXXX in my TransUnion credit report. I sent TransUnion a certified letter with return receipt on XX/XX/XXXX asking them to properly verify this unverified account and late payment under the FCRA Federal Law. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account like the XXXX  Breach. I requested them to send me a Promissory Note or contract bearing my signature to these accounts in their files for proper validation under FCRA 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX, TransUnion sent me a generic response with no validation to the unverified account or the late payment but stated they were verified.

On XX/XX/XXXX, I sent TransUnion another certified letter with return receipt requesting their Method of Verification for this unverified account an late payment under FCRA 611 ( a ) ( 6 ) and ( 7 ). Once again, TransUnion sent me the same generic letter with no validation for these 2 accounts but stated they were verified.

I have attached my letters with the return receipts and their response to this matter. It is very clear that TransUnion ignored my dispute and did not take it seriously. Two of my consumer rights have been violated under the FCRA Federal Law!
Product: Debt collection

XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XXXX who is Now operating As XXXX, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To XXXX  Now XXXX  ) Phone number doesnt work. No Notification of new contact information. XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681.  Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a address on my file that does not belong to me. at Equifax it belonged to a person with the same name I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX wisconsin
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account name XXXX account number XXXX and account name XXXX  XXXX XXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing a account without my written, instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )
Product: Credit card

i have a dispute against XXXX for XXXX on discover credit card on XXXX XXXX. the dispute number is XXXX. On XX/XX/XXXX, the discover considered the charge is vaild. I've told discover customer service representative that XXXX refuses to respond to any of my messages, but they still tell me to contact XXXX and no willing to provide any help. i have lost XXXX and not received the right item that i order from XXXX. i hope discover can reopen the dispute and let XXXX provide any evidence that can show they sent the right item. thank you.
Product: Credit reporting or other personal consumer reports

There are several collections that fall under the state of limitations for debt collections and need to be removed immediately from my credit report. The last activity of these accounts was in XX/XX/2019 but the dates previously reported have been changed to reflect later dates to avoid the statute of limitations. These were all removed from the other bureaus due to inaccuracies and no ability to verify the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX last activity XX/XX/2019 I also have no business or accounts with the collections agencies reporting these collections and need these removed from my account as no one has provided me with any information on this. i believe this one is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a mortgage company named, XXXX XXXX. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than XXXX points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.
Product: Credit card or prepaid card

I purchased a watch from XXXX XXXX, who's parent company and the one who the card was charged under is XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$2500.00}. I returned the item via XXXX on XX/XX/XXXX. XXXX XXXX received the item on XX/XX/XXXX. I initiated my dispute with PayPal Credit on XX/XX/XXXX as I had not received any confirmation from XXXX XXXX on my return. On XX/XX/XXXX, XXXX XXXX sent me an email stating they received my item and another email on XX/XX/XXXX that they processed my refund. I received an initial credit from PayPal Credit on XX/XX/XXXX for the purchase charge. I thought everything was completed. I noticed that on XX/XX/XXXX XXXX recharged my PayPal Credit account for {$2500.00}. I was never given any notification that this occurred or that the dispute had closed. I found out when I went online a few weeks prior. I reopened the dispute on XX/XX/XXXX and contacted XXXX. According to them, XXXX stated they never received the watch back on XX/XX/XXXX so they closed the dispute. PayPal Credit never provided me with any documentation regarding this claim. When I reopened the claim on XX/XX/XXXX, I provided PayPal Credit with proof of XXXX return, proof of XXXX delivery receipt, Tag Heuer return email and refund email. On XX/XX/XXXX, I noticed that PayPal Credit closed the dispute again. This time they stated that on XX/XX/XXXX, XXXX stated they never received the item. On XX/XX/XXXX, I faxed a letter with the documentation I had provided previously, plus I provided a copy of the order section online which stated that XXXX XXXX returned my item, email correspondence with XXXX stating they have tried to refund the money since XX/XX/XXXX and have been rejected by XXXX due to a chargeback in progress. On XX/XX/XXXX PayPal Credit closed the dispute again. To this date I have not received any correspondence from PayPal Credit regarding my claim. The only correspondence I have is when I have called them and they have verbally informed me that on XX/XX/XXXX and XX/XX/XXXX that XXXX had stated they did not receive the watch. The only thing I can see is the dispute status online whether a case is open or closed, nothing else.