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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX XXXXs going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( e ) ( b ), I am disputing the following item, XXXX XXXX XXXX Partial Account XXXX XXXX XXXX... 

The FCRA site that information that is being reported should be 100 % accurate across all 3 credit bureaus. This account reports inaccurately and different by Experian, than the other 2 credit bureaus
Product: Credit reporting

EQUIFAX is illegally reporting accounts appearing as XXXX XXXX and XXXX XXXX on my credit report and multiple inquiries that came from 1 offer from XXXX. DUPLICATE INCORRECT MEDICAL ACCOUNTS XXXX AND XXXX THAT INSURANCE FAILED TO PAY OR NOTIFY AND WAS SETTLED. This is also very inconsistent with my other reports that they can see as I was duped into buying the XXXX credit over the phone. XXXX/XXXX/17 I disputed these items for a 2nd time with EQUIFAX and they came back verified again but with no verification proof. I contacted both companies and seems everyone either refuses to talk to me or seems to leave me on hold for long periods of time. So, I wrote them a letter demanding them to send me any information on this debt that I was being held liable for and I got no response. This is CRITICLY damaging my credit score and has been for almost 1.5 years without me knowing. They have been appearing as negative items. I called XXXX and they refused to talk to me and stated the only way to fix it is through the credit bureaus. XXXX/XXXX/17 I contacted EQUIFAX and I was told it was verified. I asked what method of validation was used and did n't receive an answer. This is very illegal and goes against all of the federal laws. 

I disputed some items with EQUIFAX and they were not resolved so I decided to pay and get a more detailed report. I tried to setup online but after the signup I was taken to a number to call to verify my info. So I called in on XXXX/XXXX/17 for some assistance with activating my account. I called the number an a foreign gentleman asked me some basic questions and reset my password but nothing to really re-verify who I was. He then asked me why I wanted a login. I mentioned for verifying all my information was correct. He then said great I 'll get your payment now. So I was then sold the XXXX credit report when I said can I not do it online he said I may have problems because of resetting my password. Later, I feel duped and kinda mad the way the guy seemed to speak down to me. I 'm sure those calls are recorded. 

CONF # XXXX
Product: Debt collection

I have filed 2 complaints with the CFPB in regards to this company. Each time the company refused to respond but decided to send me a one page alleges agreement I had with the company. American First Finance has reported an alleged account in a negative manner to multiple credit reporting agencies. The company has violated my rights to privacy. I did not receive the necessary disclosures or ability to dispute this claim before it was added to my consumer report. This one grace error is causing financial difficulties in my family life and household. I am being denied the ability to a place of abode because of this item reporting as charged off on my report. I am demanding this company to correct this issue by zeroing out this account and deleting this account.
Product: Debt collection

Hunter Warfield has purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services recently posted a collection to my credit report for a debt I do not owe. XXXX was paid and complete. I do not owe them. 
ALso you put this on my credit report without sending me a 30 day right to dispute notice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX EXXXX XXXXH ) XXXX Balance XXXX : XXXX XXXX XXXX I XXXX Balance {$0.00} TRANSUNION : XXXX XXXX XXXX {$0.00} XXXXE XXXX Balance {$0.00}
Product: Student loan

On XX/XX/2018 a Sofi manager said she would expedite my son 's application if I would immediately upload my college transcripts of which I followed her instructions precisely. However, somehow the application fell through the cracks at SOFI. The application was never expedited as promised and was closed. For three weeks, I have been trying to speak with a manager to find our how we can re-open the application and for some reason SOFI keeps dodging me on speaking with a manager. I have called numerous times and sent numerous emails. Sofi keeps saying the manager has been unable to reach me but what they are doing is calling once and hanging up immediately. At this point, I am starting to see the light. This is all part of a harassment tactic of theirs to stop me from pursuing my case. I want to report them for harassment and unfair business practices. Also, their process is not streamlined and hence the need for the expediting process but this is a long story and far less important in comparison to the harassment I have been receiving by them. Desired Outcome : To have a manager phone me and not hang up and to re-open our original application at the original contracted interest rate. I do not want to start a new application at the higher interest rate ( interest rates have climbed and is now 1 % higher than the original application date interest rate )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX XXXX Account XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX Account XXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " XXXX XXXX  Account XXXX Please send me the documents that prove that I was late. If you can't prove that you have proof, you need to remove these late remarks.
Product: Credit card or prepaid card

To CFPB Re : Pentagon Federal Credit Union XX/XX/2019 I would like to express my concerns over the fact that Pentagon Federal Credit Union ( Pen Fed ) provides different level of service to customer who are are not in the position to communicate with this organization via phone as compared to the level of service they provide to other customers. 

The issue is especially critical when it comes to the ability of customers to exercise their rights related to disputing unauthorized transactions on their accounts. 

In XX/XX/2019 I inquired Pen Fed multiple times regarding their procedure of reporting unauthorized transactions on my credit card. After requesting clarifications from Pen Fed related to some conflicting responses I received from their customer service representatives I was informed that the procedure Pen Fed has for customers to report unauthorized charges is to call in and address this with a Member Service Representative. See Pentagon Federal Credit Union Message Center - requirement to call in to dispute unauthorized charges on the account.pdf attachment containing Pen Feds official response to my requests.

After I requested a written disclosure specifying that the customers must communicate with Pen Feds representatives via phone I received even more disappointing response informing me that Pen Fed refuses to communicate with me via written messages and specifies the reason for that as a supervisor has attempted to reach out to you in order to resolve your concerns, however they were unsuccessful in reaching you at that time. Please provide a good phone number and time, and we will do our best to attempt to reach you via phone once more. See Pentagon Federal Credit Union Message Center - refusing to assist since supervisor was not able to reach by phone.pdf attachment for Pen Feds response.

Finally, I mailed a couple of letters to Pen Feds mailing addresses disclosed on their website. Copies of them are attached as penfed dispute 2019XXXX.pdf and penfed dispute 2019XXXX.pdf. In XX/XX/2019 I asked PenFed whether they have received my letters mailed to them via USPS and PenFeds response included in the attachment Pentagon Federal Credit Union Message Center - Non receipt of postal correspondence.pdf indicated that the organization is not tracking customers mailed correspondence well or otherwise does not pay attention to the incoming mail.
Product: Credit card

Company : XXXX XXXX XXXX Open Date : XXXX, Amount : {$7500.00} Account XXXX I am requesting the 1099 form from the original creditor ( XXXX XXXX XXXX XXXX XXXX and from XXXX XXXX XXXX XXXX I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) and a copy of the 1099 form from the account listed above. Under the FCRA, unverified accounts must be removed. 

Promptly DELETE all information if you are unable to provide me a copy of my request.
Product: Credit card or prepaid card

I lost my job on XX/XX/22 and recently filed a claim for my credit card protection to cover my monthly payments until I find a job. 

I could not get my former employer  XXXX to complete their portion of the form since there's no on-site XXXX XXXX personnel. 

I recently provided a copy of the payment history from the Utah unemployment insurance office, however, my request has not been processed or denied and this delay has impacted my credit score.
Product: Credit card or prepaid card

Purchase was made from merchant On XX/XX/XXXX Purchase was canceled the next day XX/XX/XXXX Called XXXX XXXX XXXX Comenity to dispute charge on XX/XX/XXXX Dispute was closed in XXXX without notification. 
I have made serval attempts with the merchant as well as the credit card company for a refund. 
Merchant has stated via email, a refund was requested and would be issued. It is a {$940.00} charge that still is showing on my card, and XXXX Comenity does not seem to want to assist in refunding the money back to my card.
Product: Debt collection

XXXX XXXX, am formally invoking my rights to equitable subrogation and substitution as they pertain to the accounts ending in XXXX and XXXX referenced in Capital Ones prior correspondence. This notice serves as a demand for full accounting and reimbursement for any securities, collateral, or chattels tied to these accounts and any unjust enrichment derived from them. 
Basis of Subrogation and Substitution : I have made consistent attempts to dispute the validity of the debts and have not received sufficient documentation or evidence proving the legitimacy of the claims against me. 
Under the doctrine of equitable subrogation, I am asserting my right to step into the position of the original holder of the security interest or lien, given the lack of clarity, fraud, or mistake that has affected the reporting and handling of these accounts. 
I am invoking my rights as a consumer and requesting the return of securities, collateral, or other chattels used to secure these accounts. 
Requests for Documentation : To proceed with the resolution of these matters, I demand that you provide the following : The full ledger of transactions associated with accounts ending in XXXX and XXXX, including all debits, credits, fees, payments, and interest calculations. 
Copies of all original agreements or contracts associated with these accounts, including the signed application forms. 
Documentation or records identifying any securities, collateral, or chattels tied to these accounts and the disposition of such assets. 
Proof of any transfers, assignments, or sales of these accounts to third parties, along with the exact amounts received or credited. 
Notice to All Parties : This notice applies to all involved parties, including but not limited to Capital One, XXXX, XXXX, and XXXX, regarding the handling, reporting, and resolution of these accounts. I expect all parties to cease adverse reporting or collection efforts until these matters are thoroughly investigated and resolved. 
Equitable Remedies and Legal Recourse : If my demands for subrogation and substitution are not honored, I will pursue additional remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages, securities, and unjustly withheld property.

Timeframe for Response : I request a written response and the provision of the requested documentation within 30 days of your receipt of this notice. Failure to respond will result in further actions, including but not limited to escalation to federal or state regulatory bodies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as a result of the Equifax data breach. Fraudulent activity has affected my credit report. These accounts were not authorized by me and are now negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, we transfer {$2000.00} to our landlord with a wrong phone number, XXXX, his correct number is XXXX, the recipient name is still his name. XXXX XXXX  refused to refund the {$2000.00} even the wrong number doesn't match the recipient name. XXXX XXXX  's excuse is that the wrong number is not created by the sender, it is in an instruction in the email that was sent my landlord My claim is that XXXX should refund because the wrong number doesn't match his name, even the phone number was wrongly typed by in the instruction email.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITALONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Product: Debt collection

There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports
Product: Mortgage

Hello, On XX/XX/XXXX, my home owners insurance was not renewed. I did not carry insurance until XX/XX/XXXX. My mortgage lender is charging me force placed insurance for the 2 months there was no homeowners insurance. I believe they are complying with the law as far as giving me notice about this. I failed to open my mail to see the nature of the penalties.

This complaint is about egregious insurance rates that I am being charged. My current homeowner 's insurance is $ XXXX/year ( $ XXXX/month ). Planet Home is charging me {$4700.00} for 2 months. I have read that this type of insurance can be 2-10 times more than insurance that I would by myself. This is 65 times more! I am willing to pay a fine for failing to understand that I was required to have insurance. As of this date, Planet Home is taking advantage of the law that has no restriction on what a forced lending rate should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of XXXX if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.