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

On XX/XX/year> there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a hard inquiry from CBNA/THD on XX/XX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to Security Dept. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called XXXX and they could not help and directed me to FTC.gov.
Product: Credit reporting

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Mortgage

On XX/XX/2022 .I made a payment through the automatic system. The payment never posted to my account. I called the XXXX customer service. They said everything is okay. Some times banks take longer to process. After a few weeks I check my online app. I saw it was return. As account unable to find. It has always been the same account from where I make payments from. As soon as XXXX payment came. I receive a call on XX/XX/XXXX from XXXX collector department saying she need it to collect a past due amount. She was struggle by seen my account was up to date them she said I was past due on my XXXX payment. I told her if there was a grace period which she didn't answer. I told her to please don't t harass me when my account is up to date. Because before I even had people come and knocked or leave letters at my front door too. I definitely feel XXXX use intimidations ways in the way they have treated me. 


The last representative I spoke with said she is just protecting the investors investment. So who would protect me as a consumer from those aggressive loan companies.
Product: Credit reporting or other personal consumer reports

Whats up? Im writing about these debts youre chasing me for. I dont agree with them at all, and I think the amounts youre saying I owe are off. 
Dont bother with any proofIm not interested. I know whats up, and seeing proof isnt going to change that. 
If you need to get in touch, email me only between XXXX XXXX XXXX XXXX XXXX XXXX. Dont send any mail, whether its XXXX XXXX XXXX XXXX XXXX, or any courier, and skip the phone callsits just a hassle. 
Just clearing things up. 
Later,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XXXX XXXX had XXXX dierent nard inquiries show up on my transunion and XXXX report. 
They are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX reported unauthorized transactions on my account from XXXX in total amount of XXXX, XXXX transaction total. I stated that all transaction coming IN and going OUT of my US BANK ACCOUNT from XXXX is fraud and I never once done any transaction with XXXX. 

On XX/XX/2024 USBANK sent me a letter stating that the merchet ( XXXX ) have already credit my account for this and Us Bank is taking back their credit that was credit into my bank Account. US BANK finding was that on XX/XX/2024, there was a few incoming deposit, not refund from the original transactions, from XXXX into my account that was transfer in. This money that was transfer in is not my and I reported to US BANK the same day I reported the unauthorized transaction that this is not my money. This is two separate transaction and it's not related to any credit from the merchet. This money that was transfer in could been someone else that have their account/money stolen. I need the original transaction to be refunded as I have never authorize XXXX to send in any money or transfer any money out of my US BANK account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of False Bankruptcy Listing on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute an erroneous bankruptcy listing that has appeared on my TransUnion credit report. I have recently obtained a copy of my credit report, and I was dismayed to discover that a bankruptcy record has been inaccurately associated with my credit history. 

I want to assert, unequivocally, that I have never filed for bankruptcy and that the information provided on my credit report is completely false. I have maintained a responsible and consistent financial history, which can be corroborated by my payment records, employment status, and other financial documents. 
I kindly request that the erroneous bankruptcy record be promptly removed from my TransUnion credit report. This false information is not only damaging to my creditworthiness but also reflects inaccurately on my financial standing. I am concerned about the potential negative impacts this misinformation may have on my ability to secure loans, housing, and other vital financial opportunities. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion conduct a thorough investigation into this matter and correct the inaccuracies on my credit report. Please provide me with a detailed account of the steps taken during the investigation and the results thereof. 

Enclosed with this letter are copies of documents that verify I appreciate your attention to this matter and your assistance in rectifying this situation promptly. I eagerly await your response within the 30-day time frame as mandated by FCRA. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Carrington Mortgage has been the direct force in us resulting with a lien against our property. Our mortgage has our tax pymts escrowed. On XX/XX/XXXX, I was informed by my town office that no pymts had been received for the year & a XXXX day demand was in affect. We contacted Carrington on XXXX and was told that their records agreed, no pymt had been made. A copy of the demand letter was faxed by the town to the company. We were told it had been received and would take XXXX days to process but we were all set. After checking our account and seeing no pymt applied we again called on the morning of XXXX. We were told this time that nothing had been processed & that they had not received a fax from the town until XXXX. This was in fact a lie since we had verification back on XXXX we were all set. The town further verified it by having confirmation that the fax was sent on XXXX and there were no outgoing faxes on XXXX. They told us it would be another XXXX days for processing. I told them this was unacceptable since the deadline was XXXX. The town was contacted by them the morning of XXXX asking for yet another statement of the account balance. It was provided and then the town called and verified that it had been received and was in hand, which it was confirmed. I called as well and was told on XXXX that the check had been issued and had been overnighted. On XXXX, no payment was received. The XXXX aware of the situation, called the company and was told that they would call back with a tracking # and were surprised it had not come in. By the afternoon, the XXXX received another call from a different individual stating that there had been a mess up and the check had not been mailed ( Even though XXXX the XXXX and myself was informed on XXXX it had been mailed ) They were unwilling to do anything in forms of a wire transfer or over the phone payment to avoid us having a lien placed on our property by XXXX. Checks were finally cut and mailed on XXXX but a lien was filed due to non payment by the set deadline. 
This has further led us to believe that we were misdirected last XXXX ( XX/XX/XXXX ) when we tried to apply for a refinancing of our loan due to some hardships ( my wife had missed a lot of work due to XXXX issues ) We submitted everything that was requested of us and each time when we confirmed that it was received, were told we were all set. Then when we would call to check on the status, were told on XXXX separate occasions that the documents had not been received. We were ultimately denied and accepted it, but this is now making us wonder, if this was just another lie and documents were not delivered or fairly reviewed.
Product: Credit reporting

Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.
Product: Debt collection

I had a credit card with XXXX XXXX that the minimum had gotten too high. I was unemployed and couldn't pay it. I tried to get XXXX to work with me on a payment plan, but they wouldn't and eventually charged it off. This was a couple of months before the CARES act and the {$600.00} federal UI assistance. Now multiple firms have been harassing me over this debt. This firm called XXXX XXXX has started now. I even received something in the mail stating that there may be some type of judgement against me. I am once again unemployed. I haven't had income since XXXX and have been living off of savings and investments the past few months. This is predatory behavior, and I want the phone calls and letters stopped. I did make an effort to try to pay this debt before it was charged off, but the original creditor was unreasonable. Now they have purchased the debt and intend to make a profit off of me while I am unemployed ... during a pandemic.
Product: Checking or savings account

I called into chase today to make a dispute on a transaction i called getaround and they said they had no charge for me for XXXX so i should dispute it with my bank. Originally i was very frustrated to have explained the whole situation to a customer agent who could not file the dispute. When i was transferred to the dispute department the agent was very NASTY. I told him i was in a lunch room and didn't want yo say my card number out loud so i gave him my social he repeatedly askes me the sane thing and then told me i should move to get better reception. The rude agent utterly refused to let me speak to his supervisor or give his agent id. I informed him i was recording the call and would be sending it to chase corporate office. The agent hurled insults at me back and forth and laughed thinking it was a joke and telling me pretty much he didnt want to be on the phone with me very nasty rude foreigner on the phone then refusing to let me speak to his supervisor while speaking to me so nasty. Freaking unacceptable. Never have i been so floored while on a call and then have to be insulted and refused to dispute a transaction or speak to a supervisor ridiculous
Product: Mortgage

My mortgage with PHH Mortgage Service was transferred to XXXX XXXX XXXX, and PHH had the service on my mortgage since XXXX. I had many hard times with the payments on this mortgage, and I remember being up to 90-says late in XXXX and XXXX. Therefore, my late payments within the legal 84 month timeline qualifies me for the removal of this account. PHH has even posted the account twice under two separate account numbers. The template to the FCRA is as follows : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

Accordingly, PHH must give the credit bureaus the proper account payment history, and apply the rules of the subscriber agreement they agreed to with all pertinent credit reporting agencies. This account must be deleted immediately. It has been re-aged and must be deleted permanently. Thank you for your cooperating in this matter. 

XXXX XXXX
Product: Debt collection

XX/XX/XXXX I paid the balance of {$240.00} to National Check Resolution , Inc. XX/XX/XXXX I had an attorney " XXXX XXXX XXXX from XXXX and XXXX XXXX to contact me threatening that they would garnish my wages. I provided the email payment confirmation to this attorney and there was no further communication. 

Today XX/XX/XXXX, a collection appears on my account from XXXX XXXX XXXX for the same account that was paid off 4 years prior. 

This account is being sold by XXXX XXXX to several debt collectors and this company is violating FDCPA and it should be investigated and fined.
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. 

XXXX XXXX XXXX XXXX XXXX 150286****,, 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 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 card or prepaid card

My XXXX statement with Goldman Sachs is incorrect. On XX/XX/XXXX I received a refund for a transaction that I didnt want in the amount of {$10.00}, but when the XXXX balance is calculated I never received the amount refunded. They still charged for XXXX. When I asked their so called specialist, they agreed with me that there was an error but they were unwilling to correct it. I waited until the next statement thinking it would be corrected but the balance was never corrected. Plus the installments figures do not add up. They said the installments are XXXX but I only pay XXXX. Basically the statement is all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance from the Consumer Financial Protection Bureau regarding an inaccurate credit reporting issue that is negatively impacting my credit history. 

I reserved and paid for a monthly rental of an XXXX  through XXXX XXXX XXXX  ( contact number : XXXX ). Instead of the XXXX I had reserved, I was provided with a damaged sedan. The rental branch closed immediately after I picked up the vehicle, preventing me from addressing the issue directly. Additionally, the XXXX  had a strong odor and a rough driving feel, raising significant concerns about its condition. 

Upon returning the vehicle, I reported these issues to an agent at the airport. Despite my efforts to resolve the matter, I was later informed that my case was handed over to a collection agency, XXXX XXXX XXXX  ( XXXX, Account Number : XXXX ), which has adversely affected my credit score with TransUnion.

The collection has caused me significant stress and has negatively impacted my credit record, which was previously in good standing. I have attempted to resolve this issue with XXXX, but my concerns have not been adequately addressed. I have also informed them that I paid with a XXXX that provides incident coverage and that I have rental insurance through XXXX, yet they did not contact either party for assistance. 

Given the circumstances, I kindly request that the Consumer Financial Protection Bureau reach out to TransUnion directly to facilitate the removal of this inaccurate collection from my credit history. It is essential for my credit report to accurately reflect my financial behavior, and this collection is unjustly affecting my standing. 

Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate, or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer.