23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a dispute to Transunion about XXXX accounts that were appearing on my credit report on XXXX/XXXX/2017. The investigation into the XXXX disputed accounts was completed on XXXX, on which I received an email informing me that the XXXX accounts were deleted from my report as a result of the investigation. However, the XXXX accounts remain on my online Transunion account. I called Transunion 's customer service support line ( XXXX ( XXXX ) XXXX ) on XXXX/XXXX/2017 to inquire about deleting the XXXX accounts from my online account. The representative, XXXX, informed me that according to his database the accounts had been deleted and that the were no longer appearing on my report. He could not assist me with making my online account reflect the investigation results. He instead offered to mail me an updated credit report and gave me a phone number for Transunion 's Online services ( which was the exact same phone number I dialed to connect with him ). Before agreeing to have this report mailed to me, I asked XXXX if I would be charged. He replied no. I then agreed to the mailing. However, without receiving an emailed receipt ( as I have in the past ), my XXXX XXXX credit card was actually charged {$10.00} on XXXX/XXXX/2017 despite XXXX 's assurance that I would n't be charged. The charge is currently still pending so I must wait 5 days before filing a dispute through XXXX XXXX. I additionally emailed Transunion about my online account incorrectly reflecting the results of their investigation. I have not yet received a solution other than a response stating that they would look into the matter. 
I am submitting this complaint in the meantime, because after doing a basic search of Transunion 's history, anyone can ascertain that Transunion does not care about its customers. Multiple lawsuits have been brought against this bureau for similar reasons that I have listed above- hiding their charges for reports and services, inadequate explanations of their procedures, and finally, subpar customer service in which zero resolutions offered. I would like this experience documented so that all the supposed revamping of their services is continuously monitored by the government. Lastly, I would like to be ensured that the XXXX accounts that I disputed have in fact, in actuality, and in real time have since been deleted from my credit report so that my credit score will no longer be negatively affected due to the incompetence of this credit bureau. This is especially important when Transunion is XXXX of the XXXX credit bureau 's that influence people 's financial and economic health and opportunity. Upon further inspection of the XXXX disputed accounts, you will find that they were opened while I was a minor and logically could not belong to me. 

Thank you for your assistance in this matter. Please advise as to how I can prevent this from happening again. 

Sincerely, XXXX XXXX XXXX XXXX P.S. Please note that attachment " Online Personal Credit Reports & Credit Scores - TransUnion XXXX shows that there are XXXX accounts when according to the updated credit report there should be XXXX total.
Product: Money transfer, virtual currency, or money service

{$41000.00} wire sent on XX/XX/year> from XXXX XXXX to my Chase account. 
Confirmed Chase received but then passed my around to XXXX different departments and are putting excessive and abusive holds on domestic wired funds in which all other banks have paid to the proper accounts but Chase is holding. Abuse to earn float.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for XXXX, TransUnion and XXXX to remove my two Bankruptcy records from my reports. TransUnion removed one, however, XXXX and TransUnion both claim it is public records. I have a letter from the Bankruptcy court that they did NOT in report to the agencies, which means they received the information from a third party. I have opted out many times from XXXX, so I do not know where they have gotten the information. I never gave anyone permission to report this information.
Product: Debt collection

I received a letter from Global Credit Collection and I do not agree with this balance. When the car was picked up XXXX XXXX XXXX , XXXX informed me that I wouldn't owe a balance Now 5 years later I'm receiving mail from Global Credit Collection stating they are collecting on a balance for XXXX XXXX, XXXX This is so wrong and incorrect on many levels. I do not owe any money on this account. Please have this company stop harassing and threatening to obtain a judgement against me. I will take legal action myself if they keep harassing me over a debt I don't owe.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report today, and I dont understand why. I review my credit regularly, but this time there were unexplainable discrepancies. Refreshing my browser didnt help, as the inquiries were still there. I need the documents I sent to be carefully reviewed to resolve this quickly and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. XXXX XXXX reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX  showing the balance was XXXX XXXX-but reported for a higher amount
Product: Mortgage

Since XX/XX/XXXX, my mortgage lender, aimloan.com, has been requiring monthly contributions to my tax escrow account that are almost twice as large as necessary. When my mortgage payments started in XX/XX/XXXX, they were collecting $XXXX   per month, which was more than sufficient to pay my property taxes for the XX/XX/XXXX tax year. After paying the first installment in XX/XX/XXXX, there was a balance of $XXXX in the accout. After paying the XX/XX/XXXX installment, there was $XXXX left in the account.

In XX/XX/XXXX, aimloan.com more than doubled my required contribution to the tax escrow account even though annual tax increases on my property are limited to about 1% (due to California Proposition 13). I pointed this out to them at the time, but since I did not have the bill for new tax year, I was ignored.

Now I have received the new tax bill and aimloan.com has made the November tax payment leaving a balance of $XXXX in the escrow account, which is $XXXX more than is necessary to make the XX/XX/XXXX tax payment. This overage is more than 1/6 of my total tax bill ($XXXX) which I believe is the maximum amount allowed by RESPA. Yet aimloan.com has refused to return the excess or lower my required monthly escrow payment.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS PLEASE INVESTIGATE ALL FRAUDULENT ITEMS
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I went to cash a check at Bank of America in XXXX XXXX nj. During the process I was told the check was post dated which is something neither me nor my lawyer who gave me the check noticed which is cool. But the issue comes with the way I was treated by the manager at the time who wouldnt give me her name. She literally said to me and I quote I just dont see why a realty group would give YOU a check ( emphasis mine ) my question is why would she even ask that question? Does it matter why someone would write me a check? Also being that I will be able to cash the check on Thursday the XXXX XXXX  XX/XX/2023 will I receive further what I took as discriminatory treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Experian failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX XXXX )
Product: Credit card

This is kind of a long complicated story. 

On XX/XX/year> I went to see a veterinarian looking for the best one to treat my bird, XXXX, whom I had for XXXX  years. This was a third opinion and this vet knew that. He used unfair business practices and deception to make me choose him. One of them being, telling me he was the only board certified XXXX XXXX this side of XXXX XXXX. He disparaged my current vet. I stopped my search for the most qualified vet then because he told me there were no others. Not true. He, ade me do expensive tests to determine if she would be ok for XXXX. That visit was {$330.00}. 

He called me a couple of days later telling me that she was ok for XXXX. I scheduled XXXX for the XXXX of XXXX. She never woke up after XXXX. XXXX months later, when I finally was given her medical records, her test results showed she was not ok for XXXX. He lied to me to get the sale, {$1500.00}. 30 days later only because I told them to, they credited me around {$250.00}. The total amounts in question are {$330.00} and {$1200.00}. 

A lot happens in between. 

I then started contacting Care Credit through Synchrony bank. Disputing the charges base on being lied to and his failure to provide the expected care from the expert he claimed to be and the only reason I let him care for the most important thing in my life. 

Synchrony bank refused to work with me and closed my account and turned me over to collections. My credit score went from a XXXX to a XXXX. 

I contacted synchrony corporate office and explained the problem. I sent them a thick envelope full of proof and they sided with the doctor based on one paragraph of lies. This vet uses these deceptive practices on other clients as well. I sent them all the proof they would need and even offered my phone records to prove that the doctors office was lying. 

Synchrony has denied my claim and my credit score has suffered because I refuse to pay for someone to receive me and be wreck less with my precious bird. The credit card company will not even consider consumer protection roles I thought they needed to follow to protect consumers from fraud. I have more documents if you need them. I've tried working with them to resolve this issue but they are unwilling to protect me from these unfair business practices and deception.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to TXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear ONEMAIN, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by ONEMAIN has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes. 

I firmly assert that I have not given consent for ONEMAIN to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed ONEMAIN to accountability under both federal and Texas laws. 

I am demanding the immediate cessation of any further reporting activity by ONEMAIN to my credit report. ONEMAIN must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect ONEMAIN to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX # XXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Closed Account by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX  XXXX for incorrect reporting of a closed account. I have reviewed my credit report and discovered that XXXX XXXX is reporting an inaccurate balance and late payment history for an account that has been charged off. Specifically, the account is being reported as having a balance and showing 30 and 60 days late, even though under the Fair Credit Reporting Act ( FCRA ) Section 1681, a charged-off account should not be reporting a balance or late payment statuses. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX ( partial number for privacy ) Account Type : Charged-Off Account Reported Issues : The account continues to show a balance despite being charged off. It reports late payment statuses ( 30 days, 60 days ) on a charged-off account, which is in violation of FCRA regulations. Under the provisions of the FCRA, once an account is charged off, it should no longer show a balance or any late payment indicators. I believe that XXXX XXXX is in violation of this rule, and as a result, this is impacting my credit report inaccurately. I kindly request the Consumer Financial Protection Bureau to investigate this issue and ensure that self financial corrects this error by removing the balance and late payment reporting from the charged-off account as required by law. Please let me know if further information is needed from my side to assist in resolving this issue. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit card

I was XXXX charged with 2 XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX. One charge was expunged for {$140.00} ( it could be for free if I could get a judge to sign off on an XXXX XXXX XXXX and for the other one the law firm of XXXXXXXX XXXX XXXX XXXX charged me with {$2500.00}. This is clearly an over-charge. I also did not give express verbal or written approval to the law firm to work on the expungement of this summary offense and they acted unilaterally ( on their own ) almost like a boutique law firm selling bundled services. 

I have talked to them twice about a partial refund but they don't want to.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX  XXXX is in violation of 15 U.S.C. 1681
Product: Debt collection

LVNV Funding LLC opened XXXX collection accounts on my credit report in the amount of {$1100.00} and {$1700.00}. When the company originally contacted me around XXXX of this year, I told them all communication needs to be through email as my employer does not allow me to take personal phone calls from XXXX central to XXXX central and that every XXXX week on a rotational basis, my shift ends at XXXX. I asked them to send validation of debt to the address on file. They could not verify my home address allegedly sent from the original creditors and said it was my job to tell them what it is. 

On XX/XX/2024, I received a notification via XXXX XXXX monitoring that there were XXXX collection accounts on my credit report. I have disputed it with XXXX specifically several times. XXXX has - within XXXX minutes of requesting XXXX said the debt was verified. I contacted XXXX to see what information they used to complete the verification. They said name and home address, but when XXXX contacted me in XXXX they could not verify my address. At this moment, it does not show on any other agency reports. XXXX has had since XXXX to provide this information to me. According to law, they must remove the account until verification can occur. 

This company consistently calls me on a near daily basis after requests for communication via email was requested during the initial phone call. No verification has been received. 

I have been a victim of identity theft due to the Department XXXX XXXX 's XXXX breach as well as the XXXX and XXXX breaches XXXX I am a XXXX veteran using military style passwords for all accounts. The breaches were not due to neglect on my part, but I have to deal with this the rest of my life.
Product: Debt collection

Patient received medical care from hospital - referring physician 's partners are owners of the hospital. 

Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. 

That being said, the amount of the debt is disputed.
Product: Debt collection

I had saw an ad on my phone for XXXX 's & XXXX XXXX 's tour merchandise and had thought that they were a legitimate website. I used Affirm to help pay for my order in 4 installments. I paid the full 4 installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from affirm for help. They did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from affirm stating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. Instead of reaching out to their merchant and conduct their investigation on fraud, they left me the consumer to deal with the issue. They said nothing can be done and asked me to reach out to the merchant. I already stated to them that the merchant does not respond. They have the capability on their end to resolve this issue and get in contact with their merchant that is using their platform but instead they choose to charge off my balance and now XXXX is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as Affirm is choosing to ignore my emails and they have closed off the dispute. I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with affirm which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I was unable to locate my account number
Product: Credit reporting or other personal consumer reports

I asked information to prove that it was me ID signature did not get anything in return