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

THIS IS NOT A DUPLICATE TransUnion responded improperly to my claim, submitted on XX/XX/2020. TransUnion only sent an acknowledgement and not a response which is unacceptable. My dispute was also completed/closed without providing me with any status/information ( deletion of unauthorized inquires & XXXX XXXX XXXX, which has been settled ). 

I am having problems with TransUnion on my existing claim and not providing me with their resolution or status. My credit report was not fixed and I need TransUnion to respond and not acknowledge my dispute and fix my credit report immediately. Theses inaccuracies are hurting my ability to obtain credit. I should not have to resubmit a claim when all TransUnion had to do was respond to the one submitted on XX/XX/2020 and not close it without providing me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX
Product: Credit reporting

Within the last month Equifax is allowing inaccurate and reinserted information to appear on my credit report. Not sure what is going on but they are damaging my chances to purchase a home. See Attached reports. XXXX report is from XXXX/XXXX/2015 and the XXXX is XXXX/XXXX/2015. The most recent report shows XXXX duplicate listings for $ XXXX and a public record all of which were deleted 3 years ago. Please help
Product: Debt collection

They are contacting me about a credit card debit from over 12 years ago. This debit is not on my credit report and they tried this same tactic about 3 years ago. Demanding i make payment to them or legal action summons will be issued. They are contacting several of my family member. 

Account is HSBC credit card, amount given {$2000.00}. They can not provide me with the full account number. 

There telephone number is XXXX and XXXX LCS XXXX XXXXs
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a fraudulent account. Please remove this account as it is hurting my ability to obtain credit.
Product: Debt collection

I just found out that for almost 7 years credit acceptance corporation is adding to the balance every month. I haven't had this car for years. They weren't up front about how much the interest would be and they preyed on me. On top of that they report to the credit agencies every month. The account should have been closed when they repossessed the car. I am going to get an attorney involved.
Product: Mortgage

Citibank produced a file loan location history for my mortgage but refuses to tell me the meaning of the codes or to produce documents. The phone personnel say that it is a second loan but can not give further information. the mortgage XXXX is jointly titled to XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

For several months now, I have been trying to receive a refund of my escrowed taxes from the previous holder of my home 's mortgage, NewRez LLC dba Shellpoint Mortgage Servicing. I have previously requested and received the assistance of the XXXX  of Upstate South Carolina, as well as the Wisconsin Department of Financial Institutions. NewRez, however, has stopped communicating. I am hoping that contact from your office will reestablish a dialogue with them. 

My complaint is as follows : NewRez indicates that they paid {$2300.00} in taxes from my escrowed funds to satisfy my XXXX tax bill. The county treasurer has indicated that they had received NO payment of my XXXX taxes, until *I*, ( not NewRez ), paid this bill myself. 

If NewRez DID in fact send these funds, then the fault lies with the county treasurer 's office, in which case I will pursue the matter with them directly. 

If NewRez DID NOT send these funds, then the balance of my escrowed funds, {$2100.00}, ( a total of {$190.00} has already been refunded ), is still owed to me. 

I am simply requesting either ***PROOF OF DISBURSEMENT OF FUNDS*** to the XXXX County Treasurer 's Office in payment of my XXXX property tax bill or a REFUND of my escrowed funds.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( comenity bank ) had an update to their system and they said that they would not charge late fees, or report to the credit bureaus. They charged me a late fee which caused me to go over the limit and they reported it to the credit bureau. They have not updated my credit bureau since XXXX of XXXX so it is showing that I'm over the credit limit .... I'm beyond done with comenity because they are just ruining my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX reported my student loans to the credit bureaus ten times. I received a letter from the government that my student loans will be forgiven. The government has also placed a hold on student loans and they should not be able to do this until that hold is over!
Product: Student loan

My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. 

In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. 
I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  XXXX  I disputed the following charges on my credit report with   XXXX   XXXX   and   XXXX   i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and the al l (   XXXX  ) CB could not show me a verified contract and the balances still remain on my report  XXXX   XXXX   XXXX  - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00} Credit Bureau  XXXX   XXXX  Acct  XXXX  - reported bal {$260.00} Optimum  Outcomes Inc.   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX    XXXX   XXXX   XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  - Reported bal {$390.00}
Product: Payday loan, title loan, or personal loan

A check payment was recently mailed to synchrony bank/care credit in the amount of XXXX dollars. my personal bank XXXX XXXX  account records show that synchrony bank received and processed the check and the amount was never applied to my account with synchrony bank. I have also received excessive and inaccurate fees and overcharges and my account is now delinquent for the mishandling of my payments and all efforts to resolve this matter with synchrony bank have been completely unprofessional and futile. Actions have now been taken to forcefully retrieve the funds in amount of XXXX dollars by my personal bank XXXX XXXX through affidavit process
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account # XXXX have 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 its also states a consumer reporting agency can not furnish a account without my my written instructions My account name and number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Accounts # 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, credit repair services, or other personal consumer reports

NCTUE claimed they could not open the file I submitted via CFPB and requested I email a copy of the dispute even though I had physically mailed in a copy of my dispute letter via USPS. NCTUE claimed I did not respond to them and closed my previous CFPB dispute. However, I had previously informed NCTUE representative via phone that a physical dispute letter was mailed in. Furthermore, I responded to the email request by NCTUE notifying them of this once again and recieved a " XXXX XXXX '' email in response. The disputed account ( s ) remain on my report and are inaccurate, incomplete and are not mine. I am once again including a copy of the disputed accounts in this complaint and have sent via email a copy of original disputed account and will include disputed accounts in this complaint. I am attaching proof of my claims above. This is my final attempt to get NCTUE to investigate and DELETE the inaccurate tradelines from my consumer file before taking legal steps to rectify the damage they are causing to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had two collection accounts with a collection agency ( XXXX XXXX XXXX ), I contacted the collection agency and negotiated a " Pay for Delete '' agreement with them. I paid both accounts in full with XXXX XXXX XXXX ( Collection Agency ). After payment was posted on both accounts, they provided documentation that the account was now satisfied and Paid in Full, they also provided a statement in the same letter stating that the accounts in question would be removed from my credit profile. I submitted a dispute with Experian, XXXX, and XXXX to speed up the process of getting the accounts removed from my credit profile. Experian received and acknowledged the dispute and promptly removed one of the collection accounts from my credit profile, but did not remove the second account that was placed by the same company ( XXXX XXXX XXXX ) and provided the same documentation but did not remove the account from my credit profile. I have disputed the account twice online and once via phone, I have submitted the documentation several times stating that this account should be removed from my credit profile but Experian just updates the information after they have already removed XXXX account with the exact same documentation that was provided, and will not remove the second account. This needs to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information 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 XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A company called Seterus, who I never paid any mortgage payments to, is reporting that in XXXX, 2016 I was 180 days behind on my mortgage. They report ND for two years prior to that, state that my account was transferred and that my credit limit was {$750.00}. None of this is true. Seterus has not responded to me, but provided this information to XXXX. I am trying to purchase a home, and this has reeked havoc on my ability to get a loan. I need this erroneous account removed from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease. 
Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information.

Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question.

Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.
Product: Mortgage

My credit history was accessed ( Hard Credit Hit ) without my permission. I received a call from XXXX XXXX with Academy Mortgage, a mortgage lender whom I told I could n't talk. He said he would email me for the information he needed and I agreed and he subsequently ran my credit but never mentioned it and never implied that he was going to pull my credit. As I am sure you are aware this had a negative impact on my score and I am in the process of disputing it with the bureaus and the service he used.
Product: Debt collection

dispute submitted to remove inaccurate report on credit unresolved.
Product: Checking or savings account

Pnc not closing accounts as ordered failed to return {$5700.00} put check on hold for over 1 year without any due diligence or any attempt to validate or dishoner check in question. Then after Pnc closed my account In XXXXXXXX XXXX XXXX withholding my funds this entire time until complainant filed with Cpfb and FDIC then Pnc without my authorization reopened account and removed hold on check but froze account due to alleged suspicions on account wich I cleared that up and took full responsibility as it was out of pure necessity for my survival And if due diligence in investigating check ownership and contacting issuer for clarification or validation of my transaction under creation of remote checks law I was within my rights and authorized by all payees to reset a remote check for redirecting funds according to previous contract between landlord and mr XXXX XXXX who are both payees on instrument wich all documents official letters etc have been provided to Pnc at Louisiana branch in XXXX and executive customer relations team please enforce law on institution or forward to agency of authority Note******* ongoing issue NOT a DUPLICATE complaint
Product: Checking or savings account

Filed several complaints re fraudulent checks being deposited into our childs savings account, and then wire transfered out before the checks were caught as fraudulent .The account was drained. Then after doing nothing, the bank told we owe the money back and that it was determined that " we '' did it. The checks were clearly fraudulent, not signed by anyone from the account and eventually rejected after wire transfer. The bank told us they did an internal investigation ( that they would not share with us, or give us the source of findings ) and just said " it wad determined by the bank the transfers were considered authorized and made by you with no bank error or fraud ''. 
We are well aware of how easy it now is to mirror someones phone number, as well as all the fraud that happens daily just like this to thousands of people who get their information stolen. The bank investigators could and would not supply the evidence to support " it must have been us that did this '' I always believed that the proof needs to be given to support their findings and just telling us " we are at fault '' when we had nothing what so ever to do with this except be victims would lie on the bank proving their claim that " we '' did it. Where is the proof? We are asked to just be ok with them saying so? I don't think so and we would like clear, specific answers to whom stole our daughters college fund and treated with some respect instead of negligent. We request tangible proof to their claim that it was us.