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

I have to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.
Product: Debt collection

On XXXX/XXXX/XXXX, I received a telephone call on my personal cell from a debt collector identified as Transworld System Collection Agency in reference to an allege debt I had with my health insurance company. When I attempted to gather additional information about the alleged debt, they refused to provide any further details claiming that it was the only information they had. I managed to gather some additional info from the insurance co, and the amount of the alleged debt which was {$440.00} according to them. I also obtained info on the alleged day the transaction took place which was on XXXX/XXXX/XXXX but could not gather any further info as to the provider and the type of service I allegedly received. The person that contacted me was interested in the collection per se and not in providing me details to resolve any misunderstanding. In addition, he recited to me verbatim my full social security number after I confirmed my last XXXX, my full name, DOB, and other personal information which they should not have obtained legally. My complaint relies on the fact that I was able to pursue information from the alleged health insurance company in XXXX XXXX, XXXX. The transaction they claimed I owe ca n't be possible since according to the health insurance co, I deactivated my insurance on that same day due to a relocation. The insurance co, verified their records which yielded negative as to any pending charges or attempt to collect a debt. The insurance co, ( XXXX ) took notes n my concerns and asked me to send a formal write up to be placed on the record. XXXX is a scam. I vehemently, stated to them that I would proceed no further with the conversation until I obtained further information based on my consumer rights. The person on the phone was very persistent and utilized intimidating l am a federal employee and a victim of identity theft when XXXX records were stolen in XXXX. As a result, my personal information has been all over the internet and used by unauthorized websites without my knowledge or consent. I have evidence of such instances as well. I request prove of the alleged pending debt and validation that I made it. The fact that they had my whole personal information does not states the transaction was made by me and is valid. The account number they provided to me for this matter is XXXX and their phone # is XXXX. The number they called me from showed is registered to XXXX, Florida.
Product: Prepaid card

I am so XXXX mad!! " Purchased this Visa gift card for my grandson from XXXX!!! He calls me and shows me that the XXXX set of numbers on the giftcard are scratched off!! I didnt check the card because who would of thought that a brand new card out the pack you wouldnt be able to use. So i called XXXX to try and get a remedy, i mean i just purchased the card the day before, all I wanted was another gift card but because its a 3rd party giftcard, there are no refunds!! Well XXXX needs to stop selling them because it is not fair to the consumer and now i have to wait 2 or 3 weeks for another card from a company InCommPayments, that also was no help, i emailed them ( XXXX XXXX everything they asked for on XXXX XXXX  with a return email stating they received my attachments. I gave them a few days and called backed on Tuesday XXXX, and was told my case was closed and a replacement card had been requested. I just called XXXX XXXX XXXX  and have received different info all 3 times. There is never a mgr or supervisor to be transferred to. So I am putting in a complaint to the CFPB and whatever else government agency that i can because at this point i feel XXXX and InCommPayments, are the real scammers. I do not have money to give away especially since this was a gift to my grand child, so i am very pissed.!!! " PLEASE DO NOT BUY ANY OF THE VISA OR MASTERCARD GIFTCARDS FROM THE XXXX STORES. THE InCOMMPAYMENTS, company is using XXXX XXXX as the company on the back of the giftcards. 

I have the emails and the attachments for this case
Product: Debt collection

On XX/XX/2019 I switched my cell phone service from XXXX ( account # XXXX invoice # XXXX ) to XXXX XXXX XXXX. I cancelled my XXXX service on that day. I received an additional bill on about XX/XX/2019. I called ( XXXX ) XXXX ) and discussed the bill with a XXXX representative on that day at XXXX XXXX.. He told me that this bill was for the entire next billing period and since I did not have the service for the entire month a final pro-rated bill would be sent. I waited for the final pro rated bill however on XX/XX/2019 at XXXX XXXX. a representative from MRS collections called and insisted that I pay the bill in full immediately. I told her that I would pay the entire {$77.00} through my bill-pay as I have for the past 20 years that I have been with XXXX. She said that I owed this full amount so I sent the payment for {$77.00} through my XXXX XXXX bill pay on that day ( XX/XX/2019 ). She said this would settle the matter and I would not be contacted again. On XX/XX/2019 my wife received a call on her cell phone ( XXXX ) XXXX from another collections agent at MRS Collections at XXXX XXXX. and once again I was told that this payment must be made right away. I informed this agent that this matter was settled on XX/XX/2019 and the full payment had been made. The MRS representative insisted that I must prove that this was settled. I asked that I not be contacted by phone by MRS Collections again. She agreed however on XX/XX/2019 at XXXX XXXX., once again I was contacted by phone by a representative of MSR Collections insisting that I owed this XXXX bill. I informed her that this bill was paid and I had requested not to be contacted twice before regarding this issue and she acknowledged that I had requested not to be contacted.
Product: Credit reporting or other personal consumer reports

I have formally requested, via certified mail on three occasions, that TransUnion verify the fraudulent accounts appearing on my credit report. I included supporting documentation demonstrating my long-standing experience with fraud on my credit profile. Despite these efforts, TransUnion has repeatedly claimed that the accounts have been verified as mine. However, they have not provided any information regarding the methods or documentation used in their verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, XXXX Information XXXX, Equifax Information Services, XXXX XXXX, I am aware that XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Product: Debt collection

I HAVE BEEN COMPLAING ABOUT COMPANY SINCE 2021. THEY HAVE STOLEN MY INDENTITY, USED ABUSIVE LANGUAGE TOWARDS ME AND HAVE DEFAMED MY CHARACTER BY REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. PORTFOLIO RECOVERY COMPANY HAS CAUSE ME TO HAVE XXXX XXXX XXXX  XXXX  DUE TO THEIR ATTEMPT TO COLLECT A DEBT THEY CLAIM I OWE. I HAVE BEEN BACK AND FORTH WITH THIS DEBT COLLECTOR AND HAVE YET TO GET ARE RESOLUTION.
Product: Mortgage

TIAA Bank, who's payment address is XXXX XXXX XXXX, XXXX, PA XXXX, took over the servicing of my 2nd mortgage on my home in Florida a few years ago. Every month I send them my on time payment at the beginning of the month, from Florida, in an amount more than the minimum due. The payment should reach XXXX in no more than 4 days. But every month TIAA does not credit my payment for 3 weeks. I send my primary mortgage payment to from Florida to California and my account is always credited in about 4 days. I telephoned TIAA bank on 3 occasions but received no satisfaction on the matter and they continue holding off on crediting my payment in a timely manner. The last time I called I asked to speak to a supervisor. When I explained the situation she responded in a sassy manner by asking if I wanted her to give me their California payment center to send my payment and offered no real resolution to the problem. Again, this month, I sent my payment before the due date and as of now the payment is still not credited to my account. I believe TIAA is holding off on crediting my payment in order to drive up the interest I pay on the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, there is no law prohibiting consumers from utilizing third-party services, thus rendering your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the entire process and grants consumers the right to employ a third party on their behalf, if they so choose. Consequently, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to take reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to further delay the process. 

I acknowledge that disputes can be costly and it is your responsibility to prolong them, but please be aware that doing so carries significant risk. This letter, dated ( insert today 's date ), formally notifies you of my request to proceed with my original investigation and demands that you provide me with the results within 15 days. Therefore, I reject your " form letter '' in a legal and lawful manner, granting you only 15 days instead of an additional 30.

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to expedite my original request promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX XXXX, and Experian because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX XXXX, and Experian. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report XXXX &  Experian for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three Experian, XXXX, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Today XX/XX/year> I called Experian to dispute some personal information and check on existing dispute. The representative told me XXXX cant dispute anything and I asked him why? He said cause its connected to one of my accounts I told him thats not true. He yelled at me and started laughing. Its 6 names in my report thats incorrect, its 2 addresses thats incorrect and accounts thats incorrect. He refused to assist me. I told him that Experian neglected to investigate disputes and have accounts come back verified without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have a XXXX  XXXX bankruptcy from 2014 removed from my report since it has been well over 7 years and is affecting my credit score, as well as preventing me from obtaining lower interest rates. XXXX immediately removed it once I filed a dispute, but Experian refuses to do so after several attempts, stating that it will stay for 10 years. I dont understand how one reporting agency removes any negative reports that affect my ability to obtain fair credit, but another refuses. Im seeking legal advice on this. My Wife and I are trying to build a new home, and I need this resolved. We BOTH have worked VERY hard to fix our credit after encountering unforeseen circumstances a decade ago All Im asking is for the credit reporting agencies to do their part and follow what I believe is standard procedure!
Product: Credit reporting, credit repair services, or other personal consumer reports

Canceled my credit card in XXXX then agreeing on a payment arrangement to pay balance. Miscommunication between me and the representative regarding that my cash back option would be consider as a payment. After using my cash back option on the mobile app it said no payment was due for the month of XX/XX/XXXXon the XXXX. The next monthXX/XX/XXXX my payment that was aggreed upon of the amount XXXX $ i paid XXXX $ onXX/XX/XXXX then i continue to make my agreed upon payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wondering why this is tagged as late 30 days in XXXX when all the other bureaus are reporting this account as current with no lates at all. When I looked at the payment history, XXXX is reporting nothing. Only XXXX and XXXX reports with all good payments.
Product: Credit reporting or other personal consumer reports

This is a letter of mayor importance, I recently send a letter due to fraudulent activity on my consumer report. No changes have been made with the investigation. I have never applied for XXXX XXXX and there are several XXXXXXXX XXXX accounts in my name. This were open fraudulent and I asked they are removed as soon as possible. Thank you for your time on this matter. 

XXXX XXXX opened XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

My home mortgage with XXXX XXXX was under review for a XXXX XXXX XXXX XXXX XXXX  due to a XXXX XXXX XXXX XXXX. During this time I was making reduced payments. XXXX XXXX informed me that no late payments would be reported while my account was in XXXX. XXXXXXXX XXXX  confirmed that they would request the late and past due payment remarks be removed from my credit report. Experian has repeatedly reported past due and late payments to my credit report despite my many attempts to have them correct the adverse information.
Product: Money transfer, virtual currency, or money service

PayPal has froze my account that I have with them and it has {$5400.00} in it. They will not give a specific reason for freezing my account. Now they want to hold my money for 180 days.
Product: Mortgage

PLEASE KEEP ALL MY SEPARATE COMPLAINTS SEPARATE. 
BREACH OF CONTRACT ( RESPONSE ) Sunday, XXXX XXXX, XXXX XXXX XXXX 1 I am really disgusted with the lack of customer service at Nationstar. It still seems to be the same run around. I do n't need information out of your book on dead line dates and what needs to be done after that. I need to know why after 3 different times of me sending in the application for the loan mod, hardship affidavit, dodd frank and the XXXX. How you can tell me that it was expired.? 
2 Why would the letter received as your response say, '' However, the application never got to the approval status as a complete package was never received. No documents were received after XXXX XXXX XXXX? SEE EXHIBIT XXXX 3 Was there a request for something? 
4 Solar energy profit and loss? That was never requested. SEE EXHIBIT XXXX 5 The letter states that it was closed due to an incomplete package. " Unfortunately, a denial letter was not generated due to a processing error, at the time the denial occurred for the following reason. '' 6 The truth be told, the reasoning for the closing of my home loan mod request was in fact due to the emotional and mental beat down that Nationstars SPOC stomped me in the mud I filed BK due to the fact that : XXXX XXXX informed me on XXXX XXXX XXXX that he did n't have enough time to get into underwriting. 
7 WHY? Would XXXX email me on the XXXX XXXX XXXX and tell me that he has escalated it to underwriting? XXXX XXXX XXXX tell me that he did n't have enough time to do so? XXXX XXXX XXXX was the AUCTION DATE FOR MY HOME TO BE SOLD OUT FROM UNDERNEATH ME! 
8 I am not sure what it is called. But I know there is some kind of time line of all documented movement on my file. I am requesting to see it. I want to see all documented HELP that was give to me. 
9 For the second review? Nationstar claims that it was opened in error. " Initiated on XXXX XXXX XXXX. This review was closed on XXXX XXXX XXXX, with the close reason of the review being opened in error due to the loan being paid in full on XXXX XXXX XXXX, no denial letters are sent for reviews that are closed due to being opened in error. ****DUE THE MATH ON THE HIIGHLIGHTED AREA*** *********NEED I SAY MORE?????????? /********** 10 # XXXX Is a COMPLETE LIE XXXX The letters " SPOC '' I never received XXXX of the letters.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Vehicle loan or lease

Was charged for tow truck to reposes my car was charged down payment company not allowing any hardship assistance or education canceled contract and still want me to abide by old contract
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not my accounts reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.