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

Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone NumbeXXXX XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
Product: Credit reporting or other personal consumer reports

TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX No account number displayed As of XX/XX/XXXX per a CFPB response from XXXX XXXX XXXX, they are unable to locate an account based on the information provided ( full name and account number listed on report ). I have never done business with XXXX XXXX XXXX so this is accurate. The letter is attached. 

As you know it is against the law to report any information not proven accurate. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report any information on my credit report without my permission.

I demand that you provide me with concrete evidence of my obligation to said accounts. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card

When booking my stay with Marriott XXXX on my app and with physical brochures on site at the hotel, XXXX offered XXXX bonus points after I spend {$3000.00} and a {$250.00} E gift card received upon approval instantly to use for my stay or for future stays not only do I have the brochure physically I have screenshots from the day. My approval was given showing the gift card and disclaimers after I contacted the company Marriott. They told me that it was XXXX that provides the offer and I would need to contact them to receive faster service I contacted them the day XX/XX/XXXX ( same day as application and approval ) and did not receive a response until the XXXX of XXXX. I can provide all the proofs and documentation if needed I contacted the company a second time after receiving the response stating that they do not offer a {$250.00} E gift card I provided them with the proof as well. They seem to not care much about it and told me that is not something they offer.
Product: Mortgage

To whom it may concern : I have been a lifelong resident of the great state of Alabama. I 've been active in my community, even XXXX for many years. I have owned multiple towing companies over the years, and I have owned my home for about the last 5 years. Unfortunately, due to a predatory loan and the absolutely despicable treatment I 've received from Citizens Bank, I 'm in danger of losing all that I have. 

The problem started when I refinanced my home in XX/XX/XXXX to remove the seller-backed financing I had on my home. I believed I had a standard fixed rate loan, but nothing about this loan was standard. My business had slowed, I went through a divorce, and eventually I became XXXX. But the real problem was that XXXX balloon payments came due on XXXX truck loan and XXXX unsecured loan that somehow got tied into my home loan ( they were all with Citizens Bank ). 

I had always been current on my payments. I just had no idea of these balloon payments. When I was made aware of this issue in XX/XX/XXXX, I went to Citizens Bank to see what we could do to solve the problem. I was given over to XXXX XXXX ; he 's supposedly the vice-president of the branch, but he does not act like someone who deserves that title. He did not offer any options for solutions, but instead told me I must pay the balloon payments or " lose it all ''. It seemed there was joy for him in doing this to me, like he had a vendetta. The truck was repossessed, and this vice-president told me he was " coming after everything ''. So I stopped making the mortgage payment, and he proceeded to pursue immediate sale dates. I 've held this criminal off, but he 's hell bent on taking my home!!! 

I 'm on a fixed income now, but I 'm not asking for charity. I can afford to make a mortgage payment. I was doing so until late last year when I ran into this XXXX XXXX character. A lowered payment would be great, but even the same payment would be acceptable. What 's not acceptable is being bullied by a hired thug into losing my home when I 'm willing to work out a solution. 

I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.
Product: Credit reporting or other personal consumer reports

For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. XXXX XXXX XXXX ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. Equifax specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.
Product: Debt collection

Sir/Madam, I am writing this letter to formally dispute the validity of a debt that you claim I owe. I received a collection notice from your organization asserting that I owe a debt related to Account No.

1. Verification of the Debt : Please provide a detailed written statement, including the original creditor 's name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history of all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract agreement, if applicable, that demonstrates my obligation to pay this 5. Documentation on Your Licensing : Please furnish me with your age licensing and registration information, as required by the relevant state laws. 

Please consider this letter as a formal dispute of the debt, and I kindly ask you to respond to this dispute in writing within 30 days of receiving this to provide the requested information within this time frame will be a violation of the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a closet with the container store in XX/XX/2020. My purchase qualified for the 24-months special financing. To be eligible for the promotion, I had to apply to the store credit card managed by Synchrony bank. During the application process, a card security fee was automatically added to my account without my knowledge. For the past 20 months, they have been charging me a card security fee ( every month ) along with interest fees. 

I was unaware of the charges because I set up automatic payments that would add to my purchase amount when I got the credit card ( I calculated how much I needed to pay per month to finish my debt within 24 months ). To my surprise, when I wanted to pay it sooner, I was owing to them way more than my original purchase price. I have called them and argued, and they have refunded me some of my money, but there is still a balance of {$530.00} that they refuse to refund me.
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 ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) All 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 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) States : no consumer r
eporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have had several transactions decline on my debt card this week ( since Monday, XX/XX/XXXX ) and called the bank today to find out why. The first customer service agent hung up on me after a 15 minute hold without any answers. The second agent I spoke with was a BBVA rep who claimed to have no access to my account. The third and fourth agents I spoke with told me my account was being " investigated '' by their partner, BBVA, but neither agent was able to offer an explanation as to why my account is being investigated nor could they give a definitive answer as to when my money would be available. They also could not give me a deadline for when this information would be available to me, they could not explain why I was not notified that my account was under investigation or how long it would take, and they refused to escalate the call or put me in contact with the team that is investigating my account. In addition to denying me an explanation and access to my account, they also refuse to close the account or allow me to transfer any of my money to another bank. While I was typing this I received a support message that my account was under investigation for fraud ( support message attached ). This was absolutely unacceptable and banks should not be allowed to hold customer fund without any explanation for any period of time.
Product: Credit reporting

I sent transunion a dispute with copies of verification of items being removed and re-inserted on the same day, on XX/XX/2017. Today I called them and told them I have not received anything from them and asked for status as it has been over 30 days. I spoke with XXXX. 
When I disputed back in XXXX, which XXXX, confirmed over the phone, I did n't receive a written status update or update credit report from Transunion. So today I asked them to remove the accounts I disputed on XX/XX/2017 because they have not responded in the time allotted by law and was told that it was previously ( XXXX XXXX returned from the creditor as " verified '' I have charged off accounts showing balances and reporting charged of monthly which should not have a balance " XXXX '' and should not report as an open account and tansunion does not want to delete this false information. I 'm frustrated because ive been reading the laws and I 'm disputing based on the laws but transunion is not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion that the account with XXXX XXXX XXXX has been paid in full yet they will not remove it.
Product: Student loan

Despite multiple communications with Nelnet, my forbearance has not been lifted. On XX/XX/23 I spoke with a representative who told me she would remove the forbearance on my account so I could make my first payment in XXXX and have the remainder of my interest subsidized under the SAVE plan. She told me that even if I was autobilled later in XXXX, it would retroactively bill for XX/XX/23. However ; the next representative I spoke with on XX/XX/23, stated that was not the case and I would not be billed until XX/XX/23. I need my forbearance to be lifted as soon as possible so my student loan interest does not continue to accrue, while I am unable to make payments under the SAVE plan.
Product: Debt collection

I had a credit card with XXXX XXXX. I went through a hard time personally so I entered into a collection agreement with a law office that I believe XXXX had assigned names Zwicker & Associates. The agreement was for 1 year. The settlement was for XXXX XXXX  XXXX in the amount of XXXX$480.00}. The total was {$5700.00}. 

I have proof on my XXXX  account that I was paying them for that year. XXXX still has it on my credit report. I need help in order to get this off. I did my part but it seems that no one is trying to help me. I even tried disputing it through XXXX. 

I also called the company and they said that there was no contract to forward me to review. This made me think they were trying to scam me. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting EQUIFAX AGAIN! They have NOT corrected my credit report. I have filed MANY reports and sent proof of what the balance should be. I also spent my LAST {$25.00} on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS EQUIFAX. 
I am also including XXXX and XXXX
Product: Debt collection

This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX, these bankruptcies were added to my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/2023, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account Number : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.
Product: Mortgage

Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.
Product: Debt collection

Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.
Product: Credit reporting or other personal consumer reports

i closed my account with commenity bank and on my credit report it still shows its an open account which is affecting my debt to ratio and total accounts open.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX date XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my Equifax report from XXXX XXXX on XX/XX/2021. This was not authorized by me and must be removed. Thanks