23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 - 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 ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these 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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. i am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting

This is getting ridiculous. Experian sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX Experian. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by Experian to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. Experian has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
Product: Credit reporting or other personal consumer reports

I purchased a car back in XXXX through Credit Acceptance and made my payments on time in which I also had full coverage on my car at the time, fast forward to XXXX in which I hit a deer in my car, they totaled it but I was told I had prior damage in which I did not, so I think my insurance company and Credit Acceptance at the time placed blame on me and didn't pay the car off in full and now Credit Acceptance is saying that I owe them over XXXX XXXX XXXX if someone could please help me resolve this issue, I would greatly appreciate it because now their on My Credit report with false accusations after calling them numerous times to try and resolve this issue, it's like talking to a brick wall, I want Credit Acceptance off my credit report with these false accusations. They have been a thorn in my side, and it's really messing with my livelihood.
Product: Debt collection

This collection is a medical debt for emergency services provided on XX/XX/2016 in South Carolina. The statute of limitations for health debt in the state is 3 years
Product: Debt collection

XXXX XXXX XXXX is trying to collect money that I never owed them. I had a credit card with Comenity Bank-XXXX XXXX-original acct # ( XXXX XXXX -There # XXXXThis acct was charged off to a zero balance by Comenity BankXXXX XXXX XXXX XXXX I cant owe a balance that no longer exists to the company that extended me that credit. I should not have this debt on my credit report. I never had credit with this company and Comenity BankXXXX XXXX should be released from my report after no more than 7 years-This is like double jeopardy. Being held accountable for the same debt twice. Please get this removed, I dont even know who this management company is. I never owed them money/ I never borrowed money from this Management Company. 

Please get this company removed from my credit report. I dont owe them money, I never did! 

Thank you in advance for your immediate attention pertaining to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The original creditor charged off this account debt. However, the creditor can still attempt to collect the debt and sell it to Portfolio Recovery Assoc, a collection agency. 

I did not consent to the sharing or obtaining my information under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

From XX/XX/XXXX to XX/XX/XXXX, I filed a dispute with XXXX. They responded that they had completed an investigation of the FCRA dispute, but the consumer disagreed. 

PORTFOLIO RECOVERY ASSOCIATES Again, I am currently disputing with all three credit bureaus, and it still reflects : Date opened:XXXX Balance : {$520.00} Status Collection account. {$520.00}
Product: Credit reporting or other personal consumer reports

Regional Acceptance has never responded to why my information was given to another collection company without consent as well as the collection company XXXX has failed to hold my personal information safe. Since XXXX XXXX my information with my name and social security number has been affected. RAC has never explained to me how this would be legal. Mind you that this has been past timely matter.
Product: Debt collection

XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!
Product: Credit card or prepaid card

Each time I try to apply for the Nordstrom store card or Nordstrom VISA Card in this case Application number XXXX and I get a message to call credit. This is my third time applying online and I call only to be declined.
Product: Credit reporting or other personal consumer reports

I am rewriting to refile this complaint to XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. 
The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

I have trying to get my year end statement from Pennymac out of California. I have as of today, XX/XX/22, to receive it. I talked to a representative named XXXX on last Wednesday. She told me she would XXXX  XXXX it to me. 6 days later, nothing. Call the number to her extension and nothing.
Product: Credit card or prepaid card

I have American express card and was having financial difficulty in XXXX due to the government shut down and my account was put on hardship then in XXXX the account billing cycle came out and I contacted them on XX/XX/XXXX about the account wanting a XXXX payment I had just lost my job and couldn't make that payment spoke to representative by the name of XXXX on chat and he told me to call in. I called and spoke to representative, they advise me account would go back on hardship for 2 billing cycles and not to worry about payment. I went back today XXXX to make payment on another card the account was past due and not taken care of. I contacted customer service they demanded payment I ttied to explain the I called and this was taken care they cant find record of call they say only chat telling me to call, which I did. they wont put the account on hardship and now its almost 30 days past due they are refusing to help in anyway im being punished because someone didn't do there job correctly. I was lied to and tried unfairly like I was just some deadbeat that couldn't pay my bills yes Im in hardship but that's why I contacted them a month ago to take care of it.
Product: Credit card or prepaid card

I checked my account balance for my XXXX Dividend card in XX/XX/XXXX to see I had a balance of {$41.00}. I had previously tried to withdraw this amount one year prior ( in XX/XX/XXXX ) but was told I could not withdraw until the balance was {$50.00}. I just recently returned form a trip abroad where I did not use this card due to foreign transaction fees. Then, this month, on XX/XX/XXXX, I logged on to my account again to find my dividend balance had dropped to {$0.00}. I called customer service immediately as to inquire about the reason. After a lot of time waiting on hold, the man I spoke to finally told me that, because I had not made a qualifying purchase in a year, the dividend dollars had expired, despite him originally telling me dividend dollars never expire. When i signed up for the card, it was advertised that the dividend never expire and nowhere in any fine print does it mention that they are subject to expiration after a year of non-use. At the very least, Citi should send notifications informing card holders of upcoming expirations. The man at customer service told me there was nothing he could do and the money I had accrued was just gone. I feel deceived and cheated by Citi Cards and want the money I am owed for business I gave them for years.
Product: Mortgage

Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.
Product: Debt collection

XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX/XX/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXX XXXX who so called investigated and stated they will make the adjustments back in XXXXXXXX XXXX XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Product: Checking or savings account

I recently deposited a check with U.S. Bank for {$4000.00}. They gave me access to {$220.00} of this and kept the rest on hold. Okay, no problem so far. So I used XXXX to send the {$220.00} that they allowed me to access. After doing so, they then put a hold on the {$220.00} they allowed me access to so that I now have a negative balance and they charged me a {$36.00} overdraft fee. You cant send money with XXXX unless the funds are there. So they waited for me to send the money and then put it on hold just so they can charge ridiculous overdraft fees.
Product: Debt collection

I XXXX XXXX XXXX pulled my credit information and noticed Works and Lentz Law Firm In XXXX Oklahoma has been reporting false information on my credit report. I have the case in XXXX Court filed on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX that case was dismissed by Judge XXXX XXXX XXXX on XX/XX/XXXX for the foregoing amounts which are still on my credit to this day amount {$2600.00} was opened on XX/XX/XXXX, another in the amount {$140.00} opened on XX/XX/XXXX, another in the amount {$100.00} opened XX/XX/XXXX, another in the amount of {$100.00} opened on XX/XX/XXXX these are on my credit report to this day. This is case # XXXX, XXXX County, I Could not figure out why I am unable to buy a home a car or anything, my credit has been ruined since XXXX, this is three years of ruined credit that is {$3000.00} this is a Violation under so many FDCPA Laws and Fair Credit Reporting Act. I would appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : : XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I had sent {$1500.00} to the wrong person on Zelle and I did research and I learned that you were able to do nothing. I was upset and I didnt even try to claim my money back.
Product: Mortgage

It was a great hardship for me to get a loan modification from JP Morgan Chase in 2012. They service my loan in my name, but the property this loan is on is in a XXXX Trust for my daughter, XXXX XXXX, who is XXXX. They refused to give us a hardship HAMP modification solely on the grounds that the property was in trust. SO we had to serve Chase Lawyers. Finally after two years, we were given a HAMP mod in 2012. Unfortunately, Chase did not keep their agreement to keep our loan payment affordable. They only lowered the interest rate a portion of a percent. Then in the years to follow they have increased the payment by over {$200.00} a month, making it too high for us to pay. The reason they gave was that there were " mistakes '' made on the escrow account. They have done this twice and despite numerous letters asking for explanations they have refused, only saying it is was a " mistake ''. This year I received a notice from the Tax Assessor in XXXX XXXX County, saying that a " fine '' was attached to the property. I called and talked to them. They said the fine was to be paid by CHASE, not by me, and levied because Chase failed to notify the tax assessor of the modification. Chase however, attempted repeatedly to claim that I was the property owners responsibility. We got a chase supervisor on the phone and conference called the tax assessor and they repeated that it was Chases debt to them. Chase said they would remove that from our escrow account, but I do not believe they ever did. We believe this is against the law, not to mention and incredible abuse of power, committed against and elderly man and his XXXX daughter. We are seeking to have our mortgage reduced back to its original amount and Chase is not saying again they can not do that because it is in trust. It is outrageous. And we are well aware that the small increase in our property tax this last years could in no way account for the drastic increase in our payment. We desire to have our payment modified or reduced to the original amount and that any increase be justified as related to our financial burdens alone, such as increases in tax and insurance ( which has not increased ). Any mistake that may have been made are not our responsibility and must be adequately justified. My XXXX daughter is recovering from XXXX, she has XXXX. Moving her now may XXXX. XXXX. She is very ill and it is highly damaging for her to be put in this position by this bank. Please help us to get our mortgage lowered to its original rate or accomplish a modificatoon and get explanations for the increases. Thank you, XXXX XXXX XXXX