23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company called SOURCE RECEIVABLES MANAGEMENT placed a tradeline on my consumer reports in connection with an alleged debt they have not sent me any information on, and I was not given the right or opportunity to dispute this alleged debt. This agency is in violation of 15 USC 1692c, 15 USC 1692d ( 1 ), 15 USC 1692e ( 10 ), and 15 USC 1681s-2. I was not provided the chain of assignment, Papertrail as proof that I have used this account, a contract bearing my wet ink signature, whether this account has been reviewed by an attorney, or whether there is insurance on this alleged debt.
Product: Mortgage

I recently signed a Modification Agreement with my lender in XXXX 2016 ( see attached ). I then paid the three month modication term for XXXX, XXXX and XXXX, 2016. They stated if after I made all trial period payments, they would review my status to see if I was accepted for the Final Agreement modification. I did indeed complete the trial period and they sent me the Final Agreement stating I was approved. When I did received the Final Agreement for signature, I was then and only then informed that there would be a $ XXXX balloon payment. This was a shock to me as I was not informed of this before I signed the Modication Trial paperwork. I have not yet signed the Agreement as I am worried that this may not be in my best interest and am unsure of where to go from here. I have not made any payments on my house since XXXX as I am also unsure if this money will get applied correctly because I have not yet submitted my Final Agreement. Also, I have asked my lender for a breakdown of how they came up with the $ XXXX balloon amount and have not yet received anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : $ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}, XXXX XXXX : Bankruptcy XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I enrolled in a credit card debt payoff program with XXXX XXXX and my Chase account was settled on XXXX/XXXX/XXXX. However, starting in late XXXX I have been getting calls from a debt collector for money still owed on this account. Additionally, my Chase account is showing up as " in collections '' on my credit statement.
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/ truist bank personal credit card. Has violated my rights 15 usc 1681 section 602. States I have the right to privacy. 15 usc 1681 section 604.A 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years. 15 usc 1681 1s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ... kar Law firm it was paid in full though my bank account still is not off my credit report
Product: Credit card

this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i
Product: Checking or savings account

I deposited a cashiers check on the XXXX of XX/XX/2023 into my business checking account. On the XXXX of XX/XX/2023 I checked my online account and the transaction still said pending so I contacted the bank and was told the check had a 6 day hold on it. I was told their policy is 1 to 6 days. I asked what was the criteria for whether it was 1 day up to 6 and was not provided a reasonable explanation. I asked to speak to a supervisor and was told one was not available at that time of the night but I could call back the next day. I called on the XXXX of XX/XX/2023, spoke with a supervisor and was told the same thing and that the funds are scheduled to be released on the XXXX of XX/XX/2023, which is more than 6 days from the day I deposited the check. I went to a branch and spoke with someone and was told that the issuing bank put the hold on the check not them and there was nothing they could do. I left, called the issuing bank which is XXXX XXXX XXXX XXXX and was told a cashiers check is guaranteed funds and that they did not put a hold on it. I called again on the XXXX th and the XXXX. On the XXXX of XXXX the supervisor tried to call the hold department but could not get through so she sent an email to try and get further answers. The check is for {$20000.00}. I've deposited cashiers checks into this account several times before, {$23000.00}, {$18000.00} with no problem, 1 to 2 days cleared. There is no problem with my account. I'm told there is a 6 day hold on this check but the funds won't be released until the XXXX which is 13 days after I deposited the check. I can not pay my employees or my contractors and my business is being held up and no one at the bank can provide a reasonable explanation as to why this check is on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against TransUnion for FCRA Violations and Negligence Dear CFPB Representative, I am submitting this complaint to formally address TransUnions blatant disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Since XX/XX/XXXX, I have submitted multiple disputes to correct inaccuracies on my credit report. Despite providing detailed information, supporting documentation, and proof of identity, TransUnion has repeatedly failed to conduct a thorough investigation or provide adequate responses. 

Below is a summary of TransUnions violations and mishandling : 1. Failure to Investigate : TransUnion continues to dismiss my disputes with form letters that fail to address the specific issues I raised. In one instance, I received a response claiming my disputes were not authorized, despite including my ID, proof of address, and personal details.

2. Exceeding the FCRA Timeline : The FCRA requires credit reporting agencies to investigate disputes and provide results within 30 days. TransUnion has failed to resolve my disputes within this timeframe, causing significant delays and harm.

3. Neglecting to Verify Information : TransUnion has allowed inaccurate information to remain on my credit report without providing any verification of its accuracy. This includes errors related to accounts like XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
4. Using Illegal Form Responses : TransUnion has a pattern of sending generic responses that fail to address the details of my disputes. This violates FCRA requirements for a reasonable and individualized investigation. 

I have attached supporting documents, including my disputes, TransUnions dismissive responses, and account details proving the inaccuracies. The ongoing inaction has caused financial and emotional distress, including higher interest rates and credit denials. 

I am requesting the CFPB to : 1. Investigate TransUnion for their failure to comply with FCRA-mandated timelines and procedures.

2. Hold TransUnion accountable for not conducting a thorough investigation into my disputes.

3. Ensure the immediate removal of all inaccurate and unverifiable information from my credit report. 

I trust the CFPB will take immediate action to hold TransUnion accountable for their negligence and restore my rights as a consumer. Please do not hesitate to contact me for additional information or documentation. 

Sincerely, XXXX XXXX XXXX Attachments : Dispute letters submitted to TransUnion ( XX/XX/XXXX to XX/XX/XXXX ) TransUnions form responses Account details for disputed inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

I performed a XXXX credit check on XX/XX/2022 and noticed a collection entry from Rent Recovery Solutions dated XX/XX/2022 in the amount of {$7400.00}. I was never contacted by Rent Recovery Solutions prior to the entry on XX/XX/2022 and given an opportunity to dispute this charge. After reviewing the phone number listed in the collection entry on the credit file I did a search on my phone and discovered a couple of attempted calls in the later part of XX/XX/2022 but nothing prior to the entry on XX/XX/2022. Additionally, I have not received any mail correspondence from Rent Recovery Solutions before or after XX/XX/2022. It is my understanding that collection agency 's have a responsibility to verify the debt and give the alleged debtor an opportunity to dispute the charge prior to slandering someone's credit file. 

I strongly dispute this charge as there is an application on file with the state of Texas to pay the rent for this situation due to Covid-19 related issues that the original creditor is well aware of.
Product: Debt collection

Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice a fraudent charge on it. 
Date Assigned is XX/XX/year>. The amount is XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several incorrect late payments that don't reflect my typical payment habits. Please fix these errors and update my account. Thanks!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees being applied to my account. These fees were assessed despite having sufficient funds available at the time that the transactions were authorized. However, due to delayed posting and charges of credit, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practice is by Navy Federal credit Union, where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair. This has also caused me financial and personal emotional stress. It has left me distraught and sometimes unable to make ends meet monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to place protective credit freeze with Equifax. Tried online and it blocked me after I provided full and all correct identification data. Then tried with their specials auto phone service and it didn't work, then I tried their special app XXXX XXXX XXXX and it too did not go through despite all correct data provided. Tried calling in without success 3 times, then sent email to customer support asking for a call back. they responded they don't call back and directed me to these same online and phone options that didn't work. I sent another email insisting to get call back they refused again. Finally got them on the phone and after a long, very annoying and tedious automatic process on the phone I finally reached a human person from support only to provide the same identification data which he confirmed is all correct. He had to place manual freeze cause the online system still didn't allowed me to do it. He claimed they have " refreshed '' my details and it should be OK within 2 hours cause they have a " system update '' now. I asked him to call me in 3 hours so that we can log in together to the system and see if it now works. He claimed they don't do call backs. I requested to talk to a supervisor explained that I am trying for 3 days to put this frees, and they still can't help me due to their own system issues, and I demanded someone will call me back so I don't have to again go through the whole long, tedious and very annoying identification process just to maybe get connected with a customers support rep. She refused and said they don't do call backs. I then asked to talk to her supervisor and she claimed their is no other option to escalate. Also they said the freeze confirmation will be confirmed by regular mail within 7-10 business days. They don't confirm it by email despite the fact that both XXXX and XXXX  confirmed the freeze with email after a short and easy process. 

Equifax is a credit rating company that operate and manipulate our personal data, and they can have major impact on our lives with their credit rating service. It is totally unacceptable that such company that uses our information and data, does not provide a suitable high level customer support service to the very same users/customers from which they make their revenues. I expect CFPB to audit Equifax, reach their CEO and force them to up their game and improve their customer support operation and service. Their current level of support is totally unacceptable. They can learn from XXXX  and XXXX  how to make this easy and transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union placed a fraudulent account on my credit report without verifying if it was correct. This is a direct violation of the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. My rights have been violated.

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
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX, XXXX XXXX ( Pathlights successor ), and XXXX XXXX Collections for the severe harm caused to me and my family. 

XXXX ignored my familys valid XXXX accommodation request, pursued legal action against us, and secured a wrongful of upwards of {$70000.00} judgment. This led to our constructive eviction, leaving us homeless and humiliated by the judgment appearing on my credit report. 

I am a combat veteran with XXXX and XXXX XXXX, and this eviction caused extreme distress, worsening my conditions. The instability forced my wife, who is my VA caregiver, into an overwhelming position where she couldnt adequately care for me. My family was forced to relocate, incurring additional financial strain, and we endured the stigma of being homeless. 

I disputed the debt with XXXX, but their initial investigation falsely validated it, making things worse. After repeated disputes, they reversed their decision, returning the debt to XXXX. 

This reversal highlights their sham investigations and negligence. XXXX XXXX, as XXXX successor, has failed to address the ongoing harm caused by these actions. 

I am seeking accountability, immediate corrective action, and compensation for the financial, emotional, and physical harm these companies caused to me and my family. Supporting documents are included.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because an account that was previously deleted from my credit report has been unlawfully reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor : XXXX  XXXX XXXX, Account Number : XXXX. This account was removed from my credit report but has now reappeared. I was not notified of the reinsertion within the required five business days, as outlined in 15 USC 1681i ( 5 ) ( B ). Additionally, this account is associated with identity theft and was reported without my explicit written consent, further violating my rights under 15 USC 1681c-2 and 1681b ( 2 ). Equifax has failed to provide documentation proving that the reinsertion followed the required procedures. Their actions have caused me significant harm, including mental distress and damage to my creditworthiness.
Product: Debt collection

Starting Tuesday, XX/XX/2021, I have been receiving text messages from Leap Credit about free service designed to help resolve an account. I have never had an account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report shows a credit investigation or credit request with different last names and incorrect social security numbers
Product: Credit card or prepaid card

On XX/XX/18, I finally opened a mailing I received from Capital One that said I was pre-approved for a credit card. They even said they reviewed my credit information, so they should have known my credit score and history. I thought this would be a good opportunity to get started on repairing my credit. I applied but I was denied. This hard inquiry and denial has a negative impact on my score and further complicates my journey to good credit. 

Credit card companies using " pre-approval '' scams to lure folks with bad credit to apply for new credit is predatory and should be illegal. How can you be " pre-approved '' but not get the card? Getting denied hurts your chances of ever getting a card anywhere else. 

Capital One scammed me and added to my damaged credit history. These kinds of scams need to be investigated and made illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests on XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared and still continues on reporting unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 2ND TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
Product: Money transfer, virtual currency, or money service

I filed/opened a claim with www.paypal.com for a merchant/seller/company ( XXXX XXXX XXXX XXXX XXXX XXXX ) sending me a damaged product.I ordered the XXXX and a carrying bag.The total was $ XXXX.I sent several pictures for proof to the seller and paypal that the XXXX arrived damaged.I also asked the seller and paypal if I could just send the XXXX back for a refund and paypal refused to help me for the first time in the many years I have been a customer.Paypal said they need this complaint filed to validate the transaction/claim to move forward with my claim which they have never ever done and is highly suspicious behavior from paypal.I am asking {$52.00} refunded back to me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX